davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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. (SC)

I first discovered I was a victim of ID theft after my wife XXXX XXXX 8 years ago. I filed a police report, and went to court, and have been fighting all 3 of the major credit bureaus since. XXXX and XXXX have cleared the negative items from my files with them. Equifax refuses to talk with me, every time I call I get transferred 2 or 3 times and end up with a special department called consumer affairs, office of the president. 
I never get respect, i never get results. The items i have gotten removed, did not come from equifax 's help, it was in spite of them. Their investigations are ridiculously deficient, they do not ask for internal documents of the company, to see what original information was in these fraud accounts, they allow the companies to change information to match my information today, not when the account was fraudulently opened. The FCRA section 605B, is very clear on what i as a consumer need to do, 4 parts for me, and then, how the credit bureaus are to act after they get the 4 parts from me. 
Equifax has never acted according to the law, they in fact break the law. 
I have submitted proof of my identity, a copy of the ID theft report, i named and identified the fraud items and made the statement i did not open the fraud accounts nor derive any benefits from them. 
I am providing all 4 parts to the CFPB again, to turn over to EQUIFAX, and see if they block these accounts according to the law already named in 4 business days or less, or break the law as they have in the past with lies and their own illegal policies that are against the law. 
I am hoping the CFPB can make equifax obey the law or suffer penalties. 
Do not allow them to claim my police report is out of date, the law DOES NOT require any dates in the ID theft report. The report can be 30 years old and be valid to use today, because you are still a victim and no new report be filed. 
The law, section 605B of the FCRA, allows a credit reporting agency to ADD BACK INFORMATION AFTER THEY BLOCK IT FIRST IN 4 BUSINESS DAYS OR LESS, if they find i provided materially false info to get the block, or that i did open the account in reality, not their thinking it. 
Demand equifax to block all this fraud info in 4 days or less, or suffer penalties for breaking the law.
Consumer complaint received 2023-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I have a savings account with Capital One, I would constantly get promotions from them to open a new credit card or new checking account. 

Recently I logged in and saw an special offer to sign up for the Capital One Quick Silver Credit Card and spend {$500.00} within 3 months and earn a one time cash bonus of {$300.00}. I also received a email with this exact offer with my name and thanking me for my loyalty.

I applied for the Capital One Quick Silver Credit Card because of this offer as they kept advertising it to me. I used the link provided provided by the offer spend {$500.00} in the first 3 months earn a one time cash bonus of {$300.00}. 

After being approved for the card I received another email stating that I am not eligible for the offer. This feels like a bait and switch as I then looked online and found other people were getting the same offers and Capital One would not honor their promotions. This is the only bank or credit card that I ever had a issue with. 

I read into the terms for the offer and it says previous or existing account holders would not qualify. I have never had a capital one credit card before, Also this wording goes against their promotional offer. In the email which I have screenshots of, They thanked me for my loyalty and promoted a special offer, but that offer is only allowed for people that never had a account before?? How would someone have " loyalty '' with a company they never had a account with? 

Capital One is false advertising their offers and every time I call I am told there is nothing I can do expect write a letter. Any other card company and bank I call they help their customers on the phone. No where on the email or offer screen did it say I would have to write a letter and send it into their office for them to look into it. 

I got the card approval email XX/XX/. The {$500.00} spend to get {$300.00} back offer in the email says it expires XXXX XXXX XXXX I blocked out my name in the photos provided, but if a CFPB employee needs to see the pictures with my name not blocked I will provide them as I didn't want my name to published publicly. 

Thank you.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 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 ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 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 XXXX data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2019-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

Toyota / XXXX XXXX XXXX has systemically defrauded millions of borrowers out of countless dollars in interest payments, by purposefully making it difficult to prepay their auto loan products.

Specifically, TFS doesn't allow prepayment of principal online. While they allow extra payments ( payments in excess of the monthly installment amount ) to be sent via online submission, it only prepays principal and interest, and doesn't reduce the loan balance. Millions of Americans would not understand that this subtle difference results in zero benefit from an interest standpoint.

It truly is predatory and should be looked at given the VOLUME of loans going through this lender.
Consumer complaint received 2021-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IN)

In XX/XX/2018, I received an offer from Citibank that if I were to spend {$4000.00} in the first four months of obtaining their Aadvantage business credit card, that I would receive XXXX XXXX XXXX XXXXXXXX bonus miles. 

I scrutinized the offer for language stating " if this same credit card was opened or closed within 24 months, that the bonus miles would not be given. '' Though this was the case with me, NO WHERE DID THIS LANGUAGE APPEAR, I was reading this on my cell phone but decided to print the offer out and scrutinize it just to make sure. 

I was lead to believe ( perhaps fraudulently ) that the offer has the 24 month language waived to have be back as a customer. I am attaching their offer to this note. 

So I applied for and was awarded the card. I had met the spending requirement within one month. I waited for the bonus miles to appear for 10 weeks after that purchased showed up on my statement. 

When I called, they said they would launch an inquiry. 

Instead of the miles I received a form letter form Citibank saying, " Special offers aren't available when an existing account in the same product has been approved or closed within 24 months. '' I followed up with another phone call and they stood by their form letter response in spite of the fact that the offer that I accepted did not contain the 24 month language. 

So ... this is why I am contacting you. I agreed to and accepted their offer that stated I would receive the bonus mileage an the fact that the 24 month language was NOT stated in the offer.
Consumer complaint received 2021-11-04
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. (GA)

Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (OH)

I am having issues accessing the site to receive my XXXX XXXX and Equifax Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Consumer complaint received 2019-03-11
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. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-03-11
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: Experian Information Solutions Inc. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NJ)

I have tried to sell my house know for 5 years and the deals all fall short a few days before closing when the title commitment is expected to be issued. XX/XX/XXXX XXXX claims to have paid off my original purchase mortgage XX/XX/XXXX and for some reason have no financial records to prove that they paid a dime for the mortgage. The mortgage is stamped cancelled with no indication of being satisfied. I have tried to get the release of lien and discharge so I can sell the house but XX/XX/XXXXXXXX doesn't have it. Taking into consideration that XX/XX/XXXX XXXX has no proof of paying off the mortgage it is very hard to believe that the " mortgage '' has been transferred time and time over again to a party that lays out over {$100000.00} and has absolutely no proof of payment to Hudson City Savings Bank. It is very hard to believe that any party would buy paper with no paper trail and pass it from one party to another on a regular basis. Take a look at the attachment that shows in book XXXX page 96 the lot and the block was changed. 
I not exactly certain where the fraud is but I am very sure that fraud has taken place. 


I need to get ALL the information for my Hudson City Savings Bank mortgage said to be issued on or around XX/XX/XXXX for XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX, XXXX XXXX house. The mortgage origination number was XXXX the alleged mortgage number is XXXX I need to know if the mortgage was actually issued, recalled or foreclosed. 
I need to know if the mortgage was paid off and who paid the mortgage off and the ate it was paid off and the amount paid if any. 
I also need to know the current status and why there is no release of lien or discharge of mortgage and how to get such records if they exist. 

I would greatly appreciate your cooperation with this very serious matter.
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I put in an auto-pay for XX/XX/XXXX, which would cover my payment due on XXXX. The payment did not go through. I called the first week of XXXX and they were not understanding of the issue at all, so I had to hang up the phone. If I pay outside of their autopay system, they charge me an extra {$20.00}. What a ridiculous joke. I want to autopay early, and I have a right to do so. Let me do it.

Furthermore, they are now listing suspense payments on my account. The Note I signed with my mortgage, along with my Closing Disclosure, say that suspense payments are not allowed with this loan. I should have no prepayment penalty and no suspense payments.

Third problem -- their app does not list whether they are going to pay my taxes on the due date of XX/XX/XXXX. They have no idea what I'm talking about when I mention this on the phone. This needs to be addressed.

I received the required service transferring notice more than 15 days after the actual service transferring took place, despite reaching out to make sure that the notice from my old servicer was real. The servicing transfer notice told me they would change my mortgagee clause for me, but that never happened.

I can not access documents on their app or website despite going paperless to avoid their unconscionable and illegal {$20.00} fee for electronic prepayments. I have no records of my payment history or escrow payouts. Their app doesn't list it, either.

I would like a different servicer. I am getting sick of these people and it's been less than a month. Someone ought to sue these people out of existence. The CFPB is apparently toothless! Do something about this, already! It was bad enough when they were Ocwen! Now they are engaging in the same behavior under a different name!
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (AR)

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my XXXX  XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.
Consumer complaint received 2022-03-29
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. (AL)

In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX XXXXXXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

A business associate and myself years ago purchased a condominium together ... .he fraudulently transferred it out of my name, then he was XXXX  of XXXX  from me, and went toXX/XX/XXXX For 3-5 years, I've been trying to sell the condominium in a short sale ... ... Citizens mortgage company always " goes along with the sale, '' then at the last minute declines it. Citizens mortgage has prevented a short sale of the property on multiple occasions. I'm at wits end on it. I can't sell it, they won't foreclose on it ... ..how can Citizens Mortgage company accept XXXX money XXXX and then not extend to struggling citizens a short sale? Who can address this?
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

On XX/XX/XXXX I submitted a complaint via the CFBP to XXXX XXXX XXXX asking them to validate the alleged debt in the amount of {$170.00} that is reporting negatively against my name and social with all three credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX responded by saying " Dear Ms. XXXX, We are in receipt of your complaint submitted to the CFPB on XX/XX/XXXX regarding an account placed on your credit report by our agency. Please be advised that pursuant to your concerns, and according to Texas Law, we have placed your account on a disputed status, and have ceased collection activity against your account ending in XXXX. Our records reflect that your account ending in XXXX due to our client, XXXX XXXX XXXX XXXX was placed with our agency, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Your account was placed with our agency with an address in XXXX, TX, which is where our agency mailed you collection notices. Our records further reflect that we placed numerous telephone calls to your telephone number ending in XXXX with means to advise you of your account being placed for collections, but we were not able to reach you. Please be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. As per your claim that our agency is not authorized or licensed to collect in the State of Texas, please be advised that this is not an accurate claim. We are properly licensed in the State of Texas as Retrieval-Masters Creditors Bureau , Inc., as well as all of our assumed names including XXXX XXXX XXXX XXXX. Should you have any further questions and/or concerns, please do not hesitate to contact us. '' I am unclear as to what actions were actually taken to resolve the issue. XXXX XXXX XXXX  stated " ... .lease be advised that pursuant to your dispute, our agency has removed its trade-line against your account ending in XXXX with the credit bureaus. '' Does this mean the alleged debt has been or will be removed? More over, I was sent a validation of the debt via mail. The communication received from XXXX XXXX  XXXX is address to an XXXX XXXX XXXX. I am unaware of who that is as my middle name does not start with and has never started with a XXXX.
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (FL)

I signed up for a gym called XXXX last year of 2016. I enrolled there for 3 months and canceled my membership directly with a sales associate. That person told me I was good to go and I successfully opted out of my contract. A month later, crunch billed me. I spoke to them in person and called and told me it was a misunderstanding. They repeatedly billed me month after month for a year straight and turns out from there lack of communication they have n't successfully opted me out due to the monthly bills and now i have a derogatory mark on my credit score which has affected my score significantly!
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 an 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 or 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.