davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, XXXX delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late
Consumer complaint received 2021-10-07
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CO)

I and my family members have been getting calls for several months now from very aggressive people, one male and one female, saying that I owe money on a Best Buy credit card. Its a card that I haven't had for over 10 years now. We have since gone through the bankruptcy process and paid back everything we owed. They keep threatening to serve papers to my place of employment but then ask me to provide my employment information to them. My wife got into a very heating argument with the male and explained that our debts are paid in full through the bankruptcy. He was yelling at her and being very irrational. Now they have upped their tactics and are calling from a Private Number but still giving the same story. The number is XXXX.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (MA)

I restructured my finances through a refinanced mortgage. I had various loans to be paid through the refinance all of the loans were paid without issues with the exception of upgrade. 
On XX/XX/2021 a check was received via fedex from the attorneys office that completed our refinance. This was signed by a person XXXX XXXX at upgrade The loan has not been paid off on XX/XX/2021. They claim that although the check has been received hey have not applied the funds. They also completed the payment for XXXX despite having the check in their possession for one month
Consumer complaint received 2022-01-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M&T BANK CORPORATION (SC)

I did a consumer credit transaction for the purchase of my home however I did not receive a meaningful explanation of the credit terms and I did not receive my right of rescission notice with rescission forms which are required material disclosures under federal consumer credit protection laws. This violated my rights under the Truth in Lending Act 15 USC 1635. MANUFACTURERS & TRADERS TRUST/ XXXX XXXX are the assignee 's of this alleged obligation and pursuant to federal law 15 USC 1641 ( c ) I have the right to rescind the consumer credit transaction against any assignee of an obligation. On XX/XX/2021, I, the consumer, exercised my right to rescind and rescinded this consumer credit transaction against MANUFACTURERS & TRADERS TRUST/ XXXX XXXX XXXX On XX/XX/2021 MANUFACTURERS & TRADERS TRUST/ XXXX XXXX received my affidavit and rescission of the consumer credit transaction. I have attached copies of the certified mail receipt and green return receipt for proof of delivery of rescission forms.
Consumer complaint received 2021-10-07
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. (TX)

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 3 ), XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2019-06-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

Problem description : I am writing to ensure I have equal rights regarding this joint mortgage loan until I am released from liability on this loan. I have not in the past received updates regarding special payment plans, loan assistance program applications ( Specifically The Florida Hardest Hit Program ), refinance applications or discussions, changes in escrow account amounts, etc. Since we are joint borrowers on this mortgage loan, any decisions made unilaterally, ultimately impacts the other borrower. Therefore, being a joint borrower, I need to be an active participant in any decisions made on this mortgage loan, again until I am released from liability. Currently, the only monthly information I receive is payment information via an email stating a payment has been made with the amount paid. The email does not contain the principal loan balance, interest, escrow amount, etc., essentially no other loan information or changes. The only way I am informed about the loan is when I personally call. This is when I have stumbled across new information, activity and changes I was not previously informed about regarding this joint loan. Joint borrowers have equal rights and need to have equal access to the loan information. I can not legally use my ex-husbands personal information, such as his social security number to access the loan information online. Furthermore, I can not control his actions or make him communicate the activity on the loan. Since they are holding both parties liable, both parties have rights to equal access and that access is provided from the mortgage provider. As long as I continue to be a joint borrower, both parties need equal access without using the other partys personal and confidential information. I need to use my own social security number for this joint mortgage loan for an online account access. In addition, I was advised in the past I would have to pay for paper copies, which I have refused. Again, I have equal rights to the information on this joint mortgage loan and that does not mean one party has to pay for that information. Decisions made on this joint loan also need to be joint decisions with both parties equally participating in the loan decisions. Neglecting to include one of the borrowers is not providing equal rights or access to the loan information, loan activity or loan changes. I have offered to pay the processing fee for the release of liability request. If the request is denied, I understand that fee is refundable. I am putting this in writing to ensure that the fee is specifically refunded back to me. Since there has been an ongoing breakdown in communication and lack of information provided to the second joint borrower, I want to ensure equal access is provided to both borrowers, and their rights are not being neglected or denied. Furthermore, I am putting my requests in writing to ensure they are aware of my requests as joint borrower.
Consumer complaint received 2019-06-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine/inaccurate XXXX XXXX XXXX {$230.00} not mine
Consumer complaint received 2021-10-07
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. (PA)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2021-10-07
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. (AL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-07
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. (MI)

US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MA)

Loancare is attempting to foreclose while I am in forbearance. This forbearance was approved XX/XX/XXXX through XX/XX/XXXX per attached letter from Loancare. 

This was approved on XX/XX/XXXX, a full 16 days prior to the 30 day response period given in the XXXX XXXX XXXX attorney letter dated XX/XX/XXXX. 

They filled initial foreclosure paper work on XX/XX/XXXX in error. I want this removed from the Land Court and Registry of Deeds. 

All documents that support the above timeline are attached.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report to XXXX, XXXX and Equifax. To this day, over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

My dispute for XXXX by chase was never investigated, the vendor provided Chase a bill and Chase used this information to award the vendor the disputed funds without proof enough of work done. Chase thereby did not act impartially, they did not provide me their client the opportunity to share my side of the dispute alongside of supportive facts and including a letter that was sent by my attorney stating the CPA did not abide to our contract and billed for work not approved by the client and not in line with the terms of our agreement. No attestation of proof and statements of facts were allowed or considered by Chase. They received the dispute on XX/XX/2021 and never contacted me until XX/XX/XXXX with their decision to award the disputed funds to the vendor. In addition since the CPA violated our agreement and his professional oath of confidentiality by sharing financial information in his description of the work which resulted in Chase decreasing my credit limit by XXXX although my credit profile ( use of card, credit balance and credit score ) have been the same for the last 5 years .I have never been late on payment, have a 660+ score and have paid down my card several times over the last 2 years.
Consumer complaint received 2021-10-07
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (GA)

XX/XX/2021 I wrote a letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.
Consumer complaint received 2021-10-07
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: AES/PHEAA (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (MT)

I bought a used car over a year ago through a private sale. I have been trying since then to get a lien release from US Bank. I have been told that there is no record of the lien because records are only kept for 7 years. I have tried many times through phone calls and emails to get something in writing saying that there is no longer a lien on the vehicle to no avail. The state of MT will not complete the title transfer until this information is received. The vehicle VIN # is XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am trying to apply for receiveables factoring for my small business, XXXX XXXX, with a marketplace called XXXX. Due to the Equifax data breach, I keep all three of my credit reports frozen. XXXX uses Equifax. Despite trying 4 times online starting XX/XX/XXXX and again XX/XX/XXXX, twice on their IVR, and speaking to 2 different call center reps on XX/XX/XXXX - 1 was a supervisor - they claim my credit report is unfrozen but as of XX/XX/XXXX XXXX is unable to access my credit report.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I received an offer in the mail from HSBC in XX/XX/2019 for a credit card offer with a promotion for zero interest rate on purchases and balance transfer for 18months. 
I went on-line and applied for the 18 month promotion. 

I have done this in the past with other cards and use the no interest period often for a balance transfer and pay it off. I am also a XXXX   XXXX XXXX for 20 years I am aware of terms. 

I received the card along with the offer letter dated XX/XX/2019. Please see attached letter. Again it clearly states 0 % for 18 months. 

I received a letter dated XX/XX/XXXX. See attached. I called the number on when I read it around XX/XX/XXXX and got the run around put on hold for 25 minutes. ect really a nightmare. Finally spoke to a manger named XXXX he admitted that they had meetings about this false Advertising and was instructed to ignore any calls and about this issue that most folks would get frustrated and stop calling. But he would expiate the issues and call me back on Friday the XX/XX/XXXX. he did call me back and gave me the run around again per upper management. Keep in mind all this comes out of the XXXX call center you can not speak with any on in authority in the USA. 

I called again today XX/XX/XXXX again with no results. 
This is bait and switch Advertising and illegal in all US states.
Consumer complaint received 2022-01-10
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. (TX)

Unauthorized inquiry on consumer report I have informed Equifax, XXXX and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

XXXXvictim of felony fraud involving people impersonating police officers Call received from the XXXX Police Department indicating that I was being charged with citations for not appearing for grand jury selection. 

Attempted to collect monies that I was being told were to pay the citations before appearing in front of a judge for contempt of court. 

Money was transferred and upon discovery that this a fraud, one account was closed and stop payments were made on the additional account. 

I attempted to call Venmo to notify and their office was closed. 

Venmo proceeded to pay the fraudulent accounts after they saw the stop payments without checking with me. They acknowledged that they saw the top payments per my phone call to them. 

Venmo wants me to pay these amounts which I will not do and they proceeded to take {$440.00} from my account that was for my son 's security deposit for his college housing. 

I have the police report available as well as any additional information.