davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
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. (MD)

This is regarding XXXX XXXX account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither Equifax, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My name is XXXX XXXX, I live in XXXX XXXX, Nevada Most people consolidate their debts by moving the balance from high interest credit card to lower interest credit card. That was exactly what I did. 
Back in XX/XX/XXXX, I requested a check of {$1000.00} from Capital one ( account # XXXX XXXX XXXX XXXX ) to pay my other credit card name XXXX XXXX  ( account # XXXX XXXX XXXX XXXX ). And I expected that my XXXX XXXX  credit card was paid off. But after 2 months, I received statement from my XXXXXXXX XXXX credit card that the balance was not paid but Capital One was charging me the {$1000.00} that they were supposed to pay for me. Then I immediately called Capital One and found out that they did send out a check of {$1000.00}. But instead of sending the check to XXXXXXXX XXXX, they sent the check to XXXXXXXX XXXX. A copy of the check front and back is enclosed below. I called the Capital One several times, I even spoke to the manager and the manager called XXXXXXXX XXXX, we were on 3 ways call, but the XXXXXXXX XXXX were not able to locate where the {$1000.00} was. 
In the mean timem since the check of {$1000.00} was sent out, Capital One was charging me the interest of it. And since my XXXX XXXX  did not received payment, they were charging me late charge plus interest. I am now paying interest on both account. 
I called the XXXXXXXX XXXX  myself, because I do not have an account with them, they could not help me. In the back of the enclosed check below had lots of numbers. I am sure that those numbers tell where the money went to. I had been paying interest on both credit cards for more than 4 months. 
I am writing you this lettert and I hope that you can help me to investigate in this matter. 
Your help is greatly greatly appreciated! 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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 submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused me.
Consumer complaint received 2017-08-12
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 (OH)

I applied and was approved for a venture one / capital one visa XX/XX/XXXX. Prior to making application by phone, I call, spoke to a rep and confirmed that I was applying for and eligible for the offer that was mailed to me ( 0 % Intro APR on purchases and transfers until XX/XX/XXXX ). Again when the card was received in the mail, I called and spoke to a rep and confirmed that I was eligible for the 0 % Intro APR on purchases and transfers until XX/XX/XXXX offer. The rep also provided me with details on how I could complete a transfer by phone on XX/XX/XXXX. I called on XX/XX/XXXX to complete the transfer and was placed on hold approx 20 minutes before being able to speak to a supervisor ( XXXX, VA call center ) who told me that I was enrolled into a card with a 17.99 % apr and that I was not enrolled in nor eligible for the 0 % apr offer for which I originally applied. He then went on to describe a lengthy process by which I was required to submit documentation in order to have my concern reviewed. Business Info : XXXX XXXX XXXX XXXX . XXXX, VA XXXX
Consumer complaint received 2020-09-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime (GA)

I purchased a used car from DriveTime/XXXX in XX/XX/XXXX. I was encouraged to purchase extended warranties to the tune of $ XXXX. In XX/XX/XXXX I learned that the vehicle was losing coolant. I would add coolant and continue to do maintenance with oil changes until XX/XX/XXXX when I took the vehicle to the dealership and learned that the engine needed to be replaced. I notified DriveTime and I was given 800 # s for customer service but did not gain information as to how to get help. So, I had to rent cars so that I could get to and from work, causing me another hardship as rental cars were not in my original budget. I continued to try and pay the note on the car along with my other bills. When I was laid off at the end of XX/XX/XXXX, I began to re-contact DriveTime/XXXX and was told to take the car to their mechanics at XXXX XXXX in XX/XX/XXXX. Initially I was told that they would replace the engine and then they changed their mind. I asked to know who the adjuster was and how to contact that person and was not given any information. I recently spoke to an attorney about my contract and was informed that I would have to go thru an Arbitrator before I could take them to court. I can't afford to pay an Arbitrator an hourly fee, pay my original bills and fulfill a contract of {$30000.00} over 5 years and 8 months on a car that is worth less than $ XXXX. I went to this car dealership trusting them to stand behind the products that they sold me. Now they do not want to honor their XXXX 5 yr, 50,000 mile warranty that should protect this cars engine.
Consumer complaint received 2017-08-08
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. (CA)

Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account is/was breached due to someone that I do not know in another State. Because of this I have nit been able to access my funds in a normal fashion. I still do not not have my BofA prepaid card because the card was resent back to the State where the fraud was initiate d. This is stressed me out so bad that I can not sleep and I have began to drink alcohol more unfavorable than usual. Please help me to establish my account back by extending my resources back to me normally. I need to file a new claim with XXXX  .... And still have nit been able too. I either get hung up on after waiting an hour on the or the merchant teller never comes back on the line. I have no knowledge of any of the fraudulant charges.
Consumer complaint received 2022-08-06
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. (TX)

This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2020-05-06
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: Southwest Credit Systems, L.P. (FL)

Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This Southwest Credit Systems in the amount of {$110.00} IS NOT MINE
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am reporting Equifax, XXXX, and XXXX to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.
Consumer complaint received 2020-09-21
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. (NM)

In mid XXXX my Citi credit card bill showed charges for XXXX services. I called Citi and disputed the charges. I informed them that I have never used XXXX. They closed my account and issued a new card. I did not use the card for some time and when i looked at my online statement three weeks later there were now nearly {$5000.00} in XXXX charges. I called to ask how that could happen. They admitted that the charges had occurred on XXXX XXXX and that they had automatically updated my card number on XXXX XXXX  and that they had deals with merchants like XXXX and had updated XXXX autopay with the new number. I again informed them that I have never used XXXX and do not have an account with them let alone an autopay. I disputed every XXXX charge. They again closed my account and issued a new card. A week later i received a letter reminding me to update my XXXX autopay because there were charges pending. I again checked my online statement and discovered that less than half of the XXXX charges showed as under dispute. On XX/XX/XXXX, I received a letter stating that since my phone was in my possession there was no fraud in I owed XXXX.. I again called them and again told them that I do not have an XXXX account. On XX/XX/XXXX I received another letter stating that since my phone was in my possession there was no fraud and now I owe {$5400.00}. Interest charges are accumulating and my credit score has already dropped fifty points. The letters also state that if i do not pay they will report to all three credit agencies that my account is past due. They have also repeatedly refused to tell me where the XXXX charges occurred. This is the treatment that i get after being a Citi customer for 29 years.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (VA)

I have been unemployed for more than 10 months and have been in continuous contact with the store about my financial situation and they have sent emails saying they are willing to work with borrowers and this is far from the truth. 

I borrowed {$370.00} and have already paid that plus additional money and can't get caught up on payments due to the current job market and being unable to gain employment. I understand there is a cost in borrowing money but I called the store and was told t call the resolution department of the company. When I was able to come up with some money to negotiate a balance I called the resolution department and they told me they couldn't help and I had to work with the store. In the meantime, I have been in constant contact with the store they called one of my references and told him they were calling regarding my account with Titlemax   which should be a violation of privacy. Additionally, the employee named XXXX refused to give me my title number to verify with the State of Virginia that I had insurance coverage. She said it was against policy so I had to call their customer service department to get a call back from a District Manager to give me this information. When I called to inform the employee XXXX that I called the resolution department and they told me that I needed to speak with the store to work out a payment arrangement she was rude and told me she knew I complained about her so this is why I believe they called references even though I had been in contact with the store.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Bank XXXX : To whom it may concern, I have been through a horrific experience with Lowes/Synchrony during the past 10 years dealing with this flooring installation matter that happened in XXXX and thought it was resolved, but here we go again, it is still biting me in the butt as it shows unresolved. Here is what happened as a quick overview : Purchase new flooring/installation from Lowes in  XXXX They offered me interest free financing It took them an additional 4 months to install after breaking toilets and having issue with product They extended my interest period and offered discount to remedy Interest Hit!!!! 
Went to Lowes, they just switched banks to Syncrony, said they would fix it would take a few weeks After multiple visits and phone calls to them, I actually witnessed them acknowledging to Syncrony bank of their mistake. Synchrony/Lowes says it would be fixed fast forward Still not fixed Bounced around multiple execs/higher ups/ said they would look into nothing I pay all my bills, at this point, it was just the principle of being screwed over Nothing happened, wasnt fixed Fast forward to XXXX Buying home They recommended me paying minimum payment toward account as it was showing negative impact on credit until i got house Tried to resolve again after buying house last attempt.. Talked to managers reps you name it, NO Resolution promises, but nothing. 

It still shows up as I did not pay. I paid in full and god knows how much over what I was actually supposed to pay. I want to get this resolved as it is reporting completely false once and for all.

I am even willing to pay {$250.00} out of my own pocket to remedy this situation as a worst case scenario. Please show me that you care and remedy this situation asap. 

Best, Lowes-XXXX This is the letter that I was told to mail. I sent 2 followed up with emails and phone calls. I was hung up on twice and they would not let me speak to anyone in a management position that would have the ability to help. I've also disputed this through a third party credit specialist company 3 years ago and 3 times in the past 2 months with XXXX  & XXXX XXXX. During that time, they actually hit my credit report with an unauthorized 30 day late payment that dramatically affected my credit report by -40 pts. They did resolve that after an email & additional dispute, but still had a detrimental effect on my credit report.

This judgement is placed purely in principal and it will not waiver. As you see my credit report it shows approximately 45 accounts in superior standing and only 1 that has been serving me unlawful injustice for the past 10 years. 

Please help!
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I was in involved in an NO FAULT accident XX/XX/XXXX that is still in litigation with XXXX XXXX company to date. This debt was/in under a lien towards the lawsuit. the original creditor is XXXX XXXX XXXX, XXXX XXXX CA. XXXX XXXX turned debt over to XXXX XXXX. ( XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ) in XX/XX/XXXX. XXXX XXXX refused to remove he 3 negative reporting lines on 2 of my credit reports ( XXXX, XXXX ). My attorney has sent them several of letters asking them to remove the negative reporting which in return he refused and still charges interest monthly totaling well over {$1000.00} in interest alone. 
It is extremely unfair that this company is DOUBLE DIPPING with Lien and Extreme interest charges as well as RUINING my credit.
Consumer complaint received 2020-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. ()

Myself and my lawyer XXXX XXXX XXXX XXXX XXXX XXXX   have been trying for almost a year to get items removed ( that should not be on my credit report ) aswell as to actually trying to speak to someone regarding my report. My lawyer has contacted equifax many times on my behalf, I also have contacted them, to discuss the issue and to get an updated credit report. Since writing this I have requested a credit report three separate times over the past few months and still have not received it?! Also my lawyer has sat on the phone trying to get the information and she has been told that information can not be given to her without my consent, which I have given. This matter has cost me greatly, I have had to take a higher interest mortgage in XXXX of this year because of lack of communication on the part of Equifax.The items that were supposed to be removed after my lawyer working on this for months, STILL have not been removed to our knowledge as for some reason equifax will not provide an updated disclosure. My lawyer and I are considering my options which do include suing the company regarding the matter. I would appreciate if someone got back to me regarding this most stressful issue.
Consumer complaint received 2021-03-29
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 checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.