davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (FL)

Complaint Title : Denial of Access to Credit Report and Request to Dispute Inaccurate Accounts XXXX and Equifax FCRA Violations Summary : I am filing this complaint because XXXX and Equifax have denied me access to my credit report, despite multiple attempts to obtain it. This denial is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to view and verify their credit information. Additionally, without access to my report, I am unable to file disputes on specific accounts that I believe contain inaccurate or outdated information, further impacting my credit score and financial stability. 

Violations : Violation of FCRA ( Fair Credit Reporting Act ) The FCRA ( 15 U.S.C. 1681g ) grants consumers the right to access their credit reports. By not providing access, XXXX and Equifax have failed to comply with these provisions, obstructing my ability to review my credit history and to dispute inaccuracies. 

Violation of FACTA ( Fair and Accurate Credit Transactions Act ) Under FACTA, I am entitled to a free annual credit report from each XXXX XXXX, including XXXX and Equifax. Denying access infringes upon this right, blocking my ability to see my full credit history. 

Denial of Dispute Rights The FCRA also grants me the right to dispute inaccurate or incomplete information on my credit report. Without access to my report, I can not identify errors or initiate the necessary disputes with XXXX and Equifax, which hinders my ability to ensure fair and accurate credit reporting.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-04-22
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 forwarded a correspondence a to Equifax, on XX/XX/2019. I forward them all supporting documentation because this account is a result of identity theft, I have not heard back from Equifax in over 30 days, they failed to validate the mentioned account, they failed to respond to my request to investigate, nor have they deleted the account per Section 605 ( B ) that this account be Blocked or Deleted resulting in Identity Theft Section 15 U.S.C01681-C-2 ). 
The account is XXXX XXXX is a result of identity theft.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CT)

I redeemed XXXX Citi Bank  thank you points for XXXX XXXX Bestbuy gift card. I received XXXX with physical gift card. In some time I tried to use it in the store or online and card did not work. I called BestBuy customer service and they said they can't help me with this card since it was not purchased from BestBuy store. I called Citi Bank ThankYou reward desk who also said they can't replace the gift card, and I should deal with BestBuy directly. My BestBuy card still has full balance of XXXXXXXX XXXX on it, and it looks like I can only be forfeited at this moment since nobody can replace it. 
Case id With BestBuy customer service - XXXX Card information can be provided at the request as well as proof of redeeming CitiBank ThankYou points. 
Thanks! 
XXXX XXXX
Consumer complaint received 2020-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

Great Lakes/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019   and reported as paid if full on my XXXX XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX, XXXX  and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019  as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and Great Lakes has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and Great Lakes has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent on XX/XX/XXXX to all credit agencies included the recording and copy of credit reports from XXXX and XXXX showing Paid in full.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/23 my Citizens bank debit card was flagged for fraud and my transaction was declined. I attempted to call and on hold for 30 minutes and the recordings said I could perform the " Unfreeze '' online. I hung up. I was unable to unfreeze and the mobile app ( and online via computer ) noted to call the same number. I was on hold for approximately 45 minutes and actually got a person, who could not assist and coldly transferred me to a fraud line. He did not provide the number. After being on hold for well over an hour, I walked into a branch, XXXX XXXX, XXXX where the employee said he would assist. He verified my information and I hung up to only be informed he needs to call the same number, the first number, not even the fraud number and he could not assist. I had spent over 2 1/2 hours between all forms without resolution. I left the branch. I attempted to call again on XX/XX/23 and after being on hold for almost an hour, was hung up on without speaking to anyone. 
This issue is still unresolved and causing serious issues and non payments. Please assist
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Consumer complaint received 2020-04-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of theindividual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached Equifax and XXXX  are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. Equifax and XXXX  have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX   Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX   removal document ) I DEMAND EXQUIFAX AND XXXX  TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2020-04-21
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. (OH)

issue 1 ) Equifax keep adding XXXX  XXXX XXXX  back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (IA)

I have received several phone calls from this company in the past 20 hours. They will not tell me why they are calling or what type of company they are. They simply repeat that they are a company that handles my " personal financial business, '' and that they need to confirm my identification by means of obtaining my name, date of birth, social security number, and address for their files. When answering the phone, they told me they are Glass Mountain Capital, but the phone numbers they call from do not match any listed online. I had to do research to determine that they are a dent collector. I am a stay-at-home mother. I have never had any type of loan, never purchased an item such as a car or house. I've never had a credit card. I've not worked since before my XXXX  was born, and I've had this phone number for 8 years. If I had a debt, it would be almost a decade old, and they would have contacted me prior to now.
Consumer complaint received 2023-02-28
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. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ACCT # XXXX 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.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX I purchased 4 {$100.00} XXXX gift cards. After purchased once opened the four cards did not have a 3 digit code on back of cards. These cards where a miss print according to XXXX and can not be used. The original store XXXX will not issue refunds and XXXX is not allowing purchase if not registered. Without the 3 digit code you can not register. I have submitted all requested documentation to XXXX XXXXXXXX XXXX on XXXX XXXX XXXX. Each time I call XXXX they have not corrected this issue and the customer service agent is not allowed to transfer to other departments and no supervisor is never on shift. I'm currently out of {$400.00}. I have the fax confirmation including the XXXX case number that XXXX acknowledged the problem. These cards where purchased using my personal XXXX bank card.
Consumer complaint received 2023-03-06
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. (SC)

Discrimination and unfair equal credit opportunity from the credit reporting agencies has caused me ( the consumer ) an ordeal of economical and non economical damage to deal with on my own. The suffering have left me scared and damaged with plenty of proof to show for it. I am not able to obtain personal, family, and household services or products due to the credit reporting agencies disobedience and failure to carry out their responsible duties to insure the accuracy of my consumer reports.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

https : //www.us.hsbc.com/ I opened a Premier Checking account with HSBC on XX/XX/2019 in response to their {$750.00} sign-up bonus offer. I opened the account online from the HSBC website following their own promotional link. I have consistently met the deposit requirements and terms of the offer each month since opening the account. My bonus should have been paid by this point. I have attached a screen-capture of the offer posted on the HSBC web page. 

I have called HSBC to ask about the status of my bonus offer and the first 1-2 reps could not tell me why my bonus had not been paid. They escalated the claim to a " regional manager '' but I still have not gotten confirmation. I have been told twice to call back at the end of the week to see if there is a resolution. The issue continues to drag out and they are not resolving the issue.
Consumer complaint received 2023-02-24
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: Bread Financial Holdings, Inc. (TX)

I am writing to file a complaint regarding my IKEA Visa credit card. As a new cardholder, I was promised a {$25.00} reward certificate if I spent {$500.00} outside of the Brand within the first 90 days of opening the account. However, I have not received this reward certificate despite meeting the spending requirement in XX/XX/2022. 
I opened my IKEA Visa credit card account XX/XX/2022 and made purchases totaling over {$500.00} outside of the Brand within the first 90 days. I was expecting to receive my reward certificate soon after, but it has been over 2 months since I fulfilled the requirement and I have yet to receive it. 
I have contacted the customer service department of the card issuer multiple times to inquire about the status of my reward certificate, but have not received a satisfactory response. They have not been able to explain why I have not received the certificate or when I can expect to receive it. 
I am very disappointed with the lack of transparency and communication from the card issuer, and feel that I have been misled by their advertising of this reward offer. I believe that the card issuer is in violation of the Truth in Lending Act and the Credit Card Accountability Responsibility and Disclosure Act. 
I would appreciate your assistance in resolving this issue and receiving the reward certificate that I am entitled to. Thank you for your attention to this matter.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/XXXX at the XXXX XXXX XXXX XXXX dealership I signed a retail installment contract with credit acceptance for a XXXX XXXX XXXX. I have recently learned that the contract is faulty due to the additional charges with loan. In the beginning credit acceptance as a lending company is not accommodating to their customers. Before payments were due I asked for a different pay date due to my pay period but was denied. Over the course of the loan credit acceptance has reported incorrect dates and payment amounts to my credit report. In addition to massive hidden fees I have accumulated on my account the numbers are not correct for how much is owned on the car loan. The numbers are different on all three credit reports. Once it took me months to dispute charges and receive a resolution for hidden fees. Credit acceptance do not issue bill statements to customers its only by request, on the website the customer has limited access to their account. The customer can only view current and past due amounts. Credit acceptance as a lender is not professional by conducting business as such. On XX/XX/XXXX th vehicle was repossessed, I recently learned the vehicle was damaged under the care of the third party repossession company the vehicle is now deemed inoperable and being sold at auction. I have invested in over {$21000.00} in a vehicle that was worth {$13000.00} at the time. Furthermore the vehicle is now inoperable due to someone else negligence. I have contacted credit acceptance regarding the damages i discovered on the auction website to the vehicle on XX/XX/XXXX.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

In accordance with the Fair Credit Report Act XXXX Account:XXXX Amount Collect : {$400.00} from Creditor : MIDLAND CREDIT MANAGEM, has violated my rights. 

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (LA)

Theres incorrect information on my credit report. I spoke with Midland Funding in regards to an collections account for XXXX XXXX XXXX, in which they advised me that XXXX XXXX was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at XXXX XXXX, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to Midland Funding, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys Midland & XXXX XXXX are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX XXXX, XXXX on XX/XX/ violated my 609 rights by reporting incorrect information to XXXX, XXXX, and Experian, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies XXXX, XXXX Experian, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.
Consumer complaint received 2020-04-21
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. (WA)

XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.