davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

I have received several phone calls about a debt that I owe to Macy 's. 
They call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

On XXXX XXXX 2016 we were scammed by a company representing themselves as XXXX. On XXXX XXXX we advised Citibank that we had been scammed and the {$390.00} charge on our account was fraudulent. Citi told us to cancel our credit card and that they would take care of it. Citi sent us a letter saying they had our information and were investigating, and credited our account. In subsequent calls with Citi the dispute people were not aware of the XX/XX/XXXX statement that Citi had our information, and asked for a repeat which we were tardy to rely to. But we were having ongoing phone conversations during which Citi 's only response was that Congress had passed an act which said the if a consumer gives a merchant a credit card number there is no fraud. We heard this as Citi '' s position during all our phone calls. I do not believe that Citi once asked the XXXX about the merchants rating, or once looked at the FTC 's info on computer scams to see that ours was a typical and ongoing scam. Citi just relies on the Act that there was no fraud. The Merchant has on four different times said it would issue credit. We would like that credit and a credit of the fees charged to our account. Thank you
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NY)

Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). 
It also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : " Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. 

What This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( " TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''
Consumer complaint received 2018-05-27
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: EQUIFAX, INC. (OK)

I disputed this account several times with XXXX XXXX and With Equifax, XXXX, XXXX I Have a complaint thru CFPB cause XXXX XXXX will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

I went off information in my credit report by Equifax, XXXX, XXXX Equifax, XXXX, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE EQUIFAX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE. 
THIS IS MY FINAL NOTICE TO EQUIFAX AND THERE RESPONSE WILL BE USE IN COURT.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (DE)

KeyBank purchased my former mortgage holder, First Niagara Bank. On XX/XX/XXXX, I received a mortgage analysis from KeyBank advising that they needed to collect a sum for taxes and insurance that was four times the amount needed to satisfy the actual amounts. Clearly an error. I called on XX/XX/XXXX and was told I 'd receive a call back that never happened. On XX/XX/XXXX, my new mortgage statement arrived and still contained the erroneous data. I called the number on the statement and spoke to a very nice lady in XXXX, XXXX who was taking calls for KeyBank. She said she 'd have someone call me. Never got a call. On Thursday XX/XX/XXXX, I called KeyBank mortgage services and spoke to a person who said a supervisor would return my call by end of day. Never got a call. Bottom line ... my taxes and insurance total cost is about {$1100.00} for a year. The KeyBank statement shows that they want to collect {$3600.00} for the year. I ca n't get anyone at KeyBank to return a call, so I have no recourse but to try and get action in some other way.
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I had a fraudulent transaction on my checking account. I called Chase the next day about the fraudulent transaction. After two months later, I was told that the claim is denied because the merchant provided that the packages were delivered to an address.I do not know how the theft stole my information online. It was an online transaction and the theft used my name, address and card number to made the purchase. However, the shipping address is not mine. I am living in XXXX and the delivered address is in XXXX. I did not receive any package.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TN)

I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (TN)

Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. 
I think it 's a part of fraud from long ago. 
However XXXX reports it as mine & it 's incorrect. 
Can you help me? 
XXXX XXXX XXXX
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: American Credit Resolution, Incorporated (PA)

I received a phone call from a number located in Texas ( XXXX ) stating, " Hello, this message is intended for XXXX, my name is ( uhm ) XXXX XXXX I am calling regarding some paperwork that I received in my office today under your name and social security number. I need you to be advised that I have a request to put you on my schedule defined by the certified notice of intent regarding a pending case that has been filed against you. Before I stop by your residence or place of employment we wanted to give you a curtesy call and inform you that you are being put on my schedule to be served. ( Male coughing in background ) If you have any questions regarding this matter you do have a legal right to contact the following party at XXXX refer case number XXXX. Now just to be clear you are being put on my schedule for XXXX between the hours of XXXX and XXXX. Unless I hear differently from the plaintiff I will be out to see you at that time. ( Uh ) XXXX you have been notified. " I believe that these people are not who they say they are and are violating SS 807. False or misleading representations [ 15 USC 1692e ] of the Fair Debt Collection Practices Act. Specifically subsections 3 and 10. I am unsure of what else this person could be misrepresenting or falsely stating, all I know is that this is not the first time they have called trying to scare me into calling them back and conning me into giving them money or my information.
Consumer complaint received 2022-09-05
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. (GA)

Experian has been dragging their feet when it comes to correcting my credit report. They were notified of the issues I was having with my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX XXXX  XXXX  You all never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. Experian was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen is attempting again to force me into escrow. I have never had escrow in the entire duration of this loan. They do this every few years in an attempt to get me to default by XXXX my payments. I find it suspect that they also sell foreclosed homes.
Consumer complaint received 2022-02-11
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. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I found a fraudulent charge of {$43.00} on my BankAmericard on XX/XX/XXXX. I immediately called Bank of America ( BOA ) and put it into dispute. They got back to me, credited my account with the {$43.00}, and said they would do an investigation. No other fraudulent charges were found so I did n't report the card number as stolen. On XX/XX/XXXX, my account was re-charged with the same {$43.00}. When I questioned BOA I was told the vendor said they had shipped the merchandise to me and it was delivered. I said " No, I did n't order anything nor did I get anything delivered ''. I, once again, stated this was a fraudulent charge and I wanted it removed. BOA has refused. I then tried to find contact information on the so-called vendor and it does n't exist! XXXX is also involved, as the original charge came through XXXX. They refuse to help because they say my credit card has jurisdiction over them. I also asked XXXX for the contact information on the vendor. They could n't find it either!! On the morning of XX/XX/XXXX, my BOA credit card blew up with over {$10000.00} in charges. I immediately called, all attempts were denied, we immediately cancelled my card and BOA is issuing me a new one. Guess where the {$10000.00} in attempted charges came from? Yep, the same vendor!!!! While BOA has no problem taking care of the {$10000.00}, they are still refusing to remove the original {$43.00}. I want the original {$43.00} fraudulent charge removed. That 's all I am asking.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I Asked the credit Credit bureaus to complete a verification on everything on my credit report. They did complete the report and stated that everything was accurate. I went and did a thorough research myself and found improper and in accuracies on my report every after there report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the recordings of the Fair credit reporting act # 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 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2023-03-28
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valentine and Kebartas, Inc. (CA)

We received an attempt to collect a debt from Valentine & Kebartas , LLC through the mail on XX/XX/XXXX. We disputed the debt and requested that they no longer contact us for purposes other than verifying the debt, this letter was mailed to Valentine and Kebartas on XX/XX/XXXX. Valentine & Kebartas , LLC made no attempt at verifying the debt, instead the next time we heard from them was on XX/XX/XXXX when we received yet another letter attempting to collect the debt and ignoring our request not to do this until they could verify the debt first. I sent them a second letter in response that was mailed out on XX/XX/XXXX reiterating our dispute of the debt and the need for verification before any attempts at collection continue. Again we did not receive any attempt to address our dispute or verify the debt. Instead, on XX/XX/XXXX we received a third letter from Valentine & Kebartas attempting to collect on the same debt despite us requesting on XXXX separate occasions not to do so until they could verify the debt. On XX/XX/XXXX we mailed them a XXXX response notifying them we are still disputing the debt, we still expect not to be contacted for purposes other than verification and also notified them that they are now in clear violation of the CFPBA and I would be reporting their violations to the FTC.