davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-22
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)

I received a XXXX XXXX from XXXX XXXX back in College in XXXX. It was transferred to XXXX. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax FAILED to notify me within 5 days and have unlawfully REINSERTED account XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT ) back on my Equifax Credit report after I submitted a dispute via CFPB # XXXX on XX/XX/year> and received the results on XX/XX/year> that the account XXXX XXXX XXXX  was DELETED ( Screenshots Attached as PROOF ). 
This is an illegal act in accordance with the Fair Credit Reporting Act and I will SUE for Damages and Attorney Fees if it is not DELETED immediately from my Equifax Credit report.
Consumer complaint received 2018-09-25
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. (VA)

I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

This is a XXXX XXXX prepaid Visa 1-2-3 rewards, not to be confused with the 1-2-3 Master card. My prepaid card is used almost exclusively to make it easier to pay bills ; as I'm XXXX and on a fixed income. 
The monthly fee for this type of card is {$3.00}, but if your balance is less at the time the fee is charged, they charge less. 
I had {$28.00} on my card on XX/XX/2019 ; the date the fee comes off They charged me {$4.00} and when I called to inquire about this the rep told me the fee changed XX/XX/XXXX. I stated I had not gotten anything letting me know this fee had been raised and the rep said she could not do anything about this I then went to the XXXX and looked at the FAQ 's updated XX/XX/2019 for this particular card because they have several different cards with different terms There it tells you that the fee is {$3.00}, and under the cardholders agreement, the same. It had also been updated XX/XX/2019. It further states that if they are changing the fees associated with this card, they will give written notice prior to the effective date as required per applicable law. According to FDIC.gov rules on their website, it states that the increase must be in writing and highlighted in some manner. I did not get anything from them. When I had finished my homework ; so to speak, I called back. I told them what I had found. They put me on hold to look for themselves. The floor supervisor I was speaking with came back and said that he just checked the website and it states the fee is now {$4.00}. I told him he was crazy because the website I was at said no such thing! I asked him to waive the fees. He said no. I am pretty stressed at this point in the whole darn mess. I needed that money for a bill. It is unlawful to do what they have done. Besides my not receiving written notice, it clearly states their rates are different than what they are charging and that is false advertisement, I am pretty sure. At least in California it is.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (DC)

XXXX XXXX, and XXXX XXXX XXXX continue to report a fraudlent account on my credit files and continue to make threatening phone calls to my mothers home. I have requested for validation and verification but to know avail This is not my debt and they will not even send me any informaiton showing my signuatre ;
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (NJ)

I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had XXXX XXXXXXXX XXXX XXXX as Assignee of Synchrony Bank/Sam '' s Club. Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX XXXX . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX  acct. I just recently was able to get most legal documents. Contacted Chief Justice XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and XXXX XXXX  still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by SYNCB? SAMS CLUB DC as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX nor XXXX will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.
Consumer complaint received 2019-08-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital (TX)

On XX/XX/2019, XXXX XXXX from Hewitt Capital contacted my son and gave him details of an outstanding debt. My son called me stating that the person was threatening to send letters to my place of employment. I also received a message from XXXX XXXX that states that Hewitt Capital has been trying to reach me and if I don't call back, the company will send legal paperwork to my place of employment. I called her back and asked her to no longer contact my son and further action will be taken if my employer receives personal paperwork. The original debt will not be paid because I have disputed the amount they claim I owe.
Consumer complaint received 2019-08-22
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. (MA)

On XX/XX/XXXX or XX/XX/2019I received a credit alert stating there was a new hard inquiry on my credit. I immediately disputed it with Equifax because I did not authorize anyone to do this. A few days later while speaking to my sister, she advised me that she had spoken to XXXX XXXX NMLS ID # XXXX and he advised her of my credit score and some additional account information on one of my credit cards. 

It is now XX/XX/2019 and Equifax closed my dispute and indicated that it was accurate. Again I never authorized this, and my personal information was given to my sister who was not privy to this information. 

I want this inquiry deleted from my file and I want it noted that although XXXX XXXX was aware it divulged my personal information and credit score, they never reached out to me to make me aware of this breach.
Consumer complaint received 2019-08-22
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: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX is a retail store located at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

On XX/XX/2019 a customer called our store to make a purchase and spoke to XXXX about buying 300 5/8 '' plywood. At that time XXXX sent the credit card authorization form to the email provided. Within one hour the completed authorization was emailed back and the credit card was processed without any problem. 

On XX/XX/2019 XXXX was suspicious about this transaction, therefore I, XXXX called our credit card processor XXXX XXXX XXXX and expressed our concerns. Immediately the representative advised me that everything looked fine. 

On XX/XX/2019 the merchandise was picked up by a delivery truck at our store. 

On XX/XX/2019 XXXX received a call from Mr. XXXX XXXX the owner of the credit card to let him know he was not the person who made the purchase. 
A police report was filed the same day. 

Our account was changed back the total of the sale {$6600.00}. 

I stared a dispute with XXXX and presented all the documents pertaining the case : Mr. XXXX 's authorization form, City MasterCard copy, Invoice and pictures of the pickup truck with the merchandise. 
XXXX finalized the dispute XX/XX/2019 and these are the comments : " Based on the rules and regulations governed by the Card Associations and the details of this case, we are not able to resolve the dispute with the cardholder 's issuing bank. Your account has been debited {$6600.00}. If you choose to pursue further attempts to resolve this dispute, you must proceed directly with the cardholder. ''
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK (NY)

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter starting that my truck was paid in full. It was traded in however all reports are showing it to be charged off. They claimed to my mother, XXXX XXXX, joint buyer that they marked it paid in full. I've worked 15 years in XXXX and know that it is up to the creditor to mark correctly on a credit report. 

Does this mean if I paid it on my own in full it would be charged off as well? Because that's what happened except the new dealer paid it off. 

XXXX of XXXX, owned by the XXXX XXXX XXXX issued the check to pay it off. Also. We received a overpayment check as well. Our credit scores have DRASTICALLY took a hit due to the incorrect reporting of XXXX XXXX XXXX. This needs to be fixed asap on on their end. I should not have to jump through hoops with 3 credit agencies due to the errors of this creditor.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (FL)

Equifax is reporting an erroneous item on my credit report listed as XXXX XXXX. The item was previously reported on my credit file as a duplicate entry. The correct account was conveniently deleted. As such, I have disputed the incorrect item for months. I filed a CFPB complaint which resulted in more of Equifax being allowed to ignore my Consumer Rights. So, I requested that a statement be added to my credit report. Equifax has willfully ignored my request. Here are the details ... I noticed a statement on my credit report that I did not request to have added so I called and inquired about the information. I was told as a consumer it was my right to add a statement. I advised the Agent the statement on my credit report was not added by me and to remove the statement that reads, " I have not trade business with this company. '' dated XX/XX/XXXX. I speak fluent English and this is not a statement I would say or request to be added to my report. The Agent agreed to remove the statement. I received written communication dated XX/XX/XXXX confirming the statement was removed. I had already mailed a letter with the statement I did want added to my credit report. At this point, it was a matter of allowing Equifax to update my file. When I looked at my credit report today not only was the statement I requested to be added not on my credit report, but the statement that had been previously removed was back on my report. My rights per the FCRA are being ignored. The derogatory item on my credit listed as XXXX XXXX still has incorrect information. Example : The last payment date being reported is XX/XX/XXXX. There was no payment made by me or anyone on my behalf XX/XX/XXXX because my car was paid off XX/XX/XXXX. The first date of delinquency is reported as the same date of the last reported payment XX/XX/XXXX. How is this possible? You make a payment and go delinquent the same day? There is a comment suggesting the account is included in a COMPLETED Bankruptcy. I am not associated or involved with a completed Bankruptcy. This is additional INACCURATE information. Since Equifax claims the Bankruptcy was verified via XXXX I contacted XXXX to investigate the item. The results of the investigation? The XXXX Bankruptcy item was DELETED from my Consumer Report by XXXX. Equifax is aware of this fact and is still reporting this inaccurate, incomplete, and erroneous item and WILL NOT add the statement requested to my credit file. It is my right to add a statement to my credit file and I should not have to file a CFPB complaint to point this out.
Consumer complaint received 2019-08-22
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. (TX)

Equifax XXXX XXXX XXXX XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX. ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX  Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.
Consumer complaint received 2018-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a fraud alert on my credit report with XXXX, transunion, XXXX  the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

I was charged interest on promotional charges with Lowes on several occasions over the past few years, on the latest one on that expired on XX/XX/XXXX I was told by a lowes credit expert that I had a grace period to pay the interest of 30days and not be charged the $ 4700+ in interest, I immediately paid it within the 30days. I was also told that the previous charges that they had ran up on me of promotional interest were going to be waived due to this and the fact I had paid thousands of dollars in interest already. 

Since such time I have spoken to Lowes on 4 different occasions including 2 managers that keep telling me that this will be " taken care of '' within 24-48hrs and I had original transcripts of when that was said. I am sure there are notes. The latest notes would indicate per XXXX I owe and agreed to pay {$150.00} and that would clear the entire account. I waited another week it has not moved to that amount. I spoke to XXXX one of the " managers '' who felt the need to argue with me that she couldn't just make it go away and I tried to explain that this was 4th time I have talked to someone and that I was going to file a complaint and needed some real results and I am not Paying interest that i don't owe and especially when I was told that I don't have to pay it by more than one lowes representative. I need help to clear this once and for all and get transcripts and phone calls etc.