davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (TX)

My dispute process with Reliant Capital Solutions dates back to almost a year ago, when I received a voicemail on XX/XX/XXXX, from a company representative named XXXX XXXX regarding an alleged debt they are attempting to collect. I immediately responded by mailing a cease and desist dated XX/XX/XXXX. I asked that all communications be sent via postal mail only and that they send any information related to this account to verify the account. I received a response dated XX/XX/XXXX with an alleged account printout, but no real information to confirm their right to do any type of business with me. I sent Reliant Capital Solutions an offer to settle this account on XX/XX/XXXX, which was ignored by Reliant. I allowed over 30 days for a response before I sent another letter dated XX/XX/XXXX, asking for more information to verify the account. I received a response dated XX/XX/XXXX, with the exact same document submitted in XXXX and no new information. I understand mistakes happen, so I took the opportunity to send another settlement offer to Reliant dated XX/XX/XXXX. Another 30 days has passed with my communications being ignored. My intention is and has always been to resolve this outstanding account because it is causing harm to my credit report.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-06-25
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. (IL)

I booked the hotel in XXXX, FL called XXXX XXXX XXXX through XXXX with Citi Bank credit card for the stay XXXX XXXX XXXX XXXX. Something came up here and there so we thought about delaying our vacation. We contacted XXXX/booking and they said they would cancel our reservation, and they email to tell the hotel to waive the cancelation fee and gave us full refund so we can book again for the later day. At that time i think it was normal because of covid policy maybe still in effect so i went ahead cancel my reservation on Wed XX/XX/2021. Next day i contacted the hotel XXXX XXXX XXXX, what they said was completelt different, they refused to give me the refund since i canceled in 3 days window or whatever, my cancelation fee is the whole charge of my stay XXXX XXXX I was very shocked, I then tell them that wasnt what XXXX said, i even worked with them by asking can you give me some credit so i can rebook in the future but they said no, the whole charge is the cancelation fee ( that i dont even know about ). Finally, i told them its ok can you just give me my room back, i will find something to do in XXXX then ... and guess what? they even denied to give me original room back also. They just robbed my XXXX $ right at me. I got hopeless and contact Citibank credit card, filed a dispute for the service that i never received. After investigating, Citi bank make me responsible for the charge, Citi bank dont even ask me for any evidence or document on my side, i feel like as long as the merchant respond to them, even the blank paper, then they reserve their temporary credit and left me hanging. Im still in shock for what happened. Citi bank supposed to protect their customers, I got denied to accomondate by the hotel, got charge {$730.00} for it. I never stayed at the hotel and Citibank just sit there and watch XXXX XXXX XXXX rob their customers. 
Im so XXXX. Can someone help me?
Consumer complaint received 2024-10-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (WV)

My student loan account appears on my XXXX credit report twice. It makes it seem as though I owe double the amount of my loan. My XXXX credit report is attached. Please see pp. XXXX of the report. I have also attached my ID.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-25
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: AMERICAN EXPRESS COMPANY (NC)

I tried to redeem my membership rewards points today, XX/XX/2021, for a flight reservation but this redemption, wasn't successful and it flagged my account to go under reveiw. This also happened a few months ago when I tried to redeem my points for a flight reservation on XX/XX/2021. My membership account went under review at that time and the review process was completed 2 months ago. How many times per year does American Express need to review membership rewards accounts? This's my second time during this calendar year and every time it takes up to 3 months for an account to be unfrozen. I found this unreasonable and needs further explanation and more transparency from the company. I will not pay the {$590.00} annual fee for the XXXX XXXX card ending in XXXX unless I have access to my points, I'll not pay for a card I don't have access to its benefits, such as points redemption.
Consumer complaint received 2021-06-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (DC)

On or about XX/XX/XXXX, I experienced an unexpected financial crisis and needed additional funds to help me with this matter. Better Day Loan pre-qualified and later approved a loan for {$1000.00} on or about XX/XX/XXXX. After making 12 successful payments, in an email dated, XX/XX/XXXX, I was notified that I may be eligible to refinance the current loan to a new one with additional funds at a lower rate to which I received an additional {$500.00}.
Consumer complaint received 2024-10-12
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: TOYOTA MOTOR CREDIT CORPORATION (MN)

As of XX/XX/XXXX of XXXX i had went to XXXX XXXX XXXX to purchase a vehicle. In wich i had entered in an agreement after seeing a car that i had in mind to buy but was sold to someone else. I had little to no understanding of my contract terms agreement an or finance As they rushed threw the paperwork deceptively. The company in fact have used my lack of knowledge to put me in contract with third party 's. My car broke down costing me time at work an they stuck me with bills as they misrepresented a limited warranty an purchase agreement the company had me come out of pocket for insurance and unlawful down payment amongst other factors. As of a month ago i started educating myself realizing that i have been apart of a scheme of identity theft reporting fair credit down payments non disclosers and more. Realizing i am one of the victims in the XX/XX/XXXX XXXX XXXX XXXX XXXX it was time i exercised my rights. An so i Revoked Power of Attorney XX/XX/XXXX notarized and sent certified. As of XX/XX/XXXX I exercised my right to rescission and notarized my Rescission and sent certified. And also submitted an Affidavit of Truth XX/XX/XXXX notarized and sent certified. I was not giving any knowledge on my rights to rescission and that's where it started an it does not help that my signature was copied an pasted threw these agreements. It is very predatorial and unlawful costing me thousands and my health to decline because of the stress of losing my job because of lack of transportation.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I tried on several occasions to update my phone number with Experian so that I can retrieve my credit report and score via www.experian.com, unfortunately, Experian has prevented me from updating my phone number to go through their Identity Verification process. This is also stopping me from retrieving my Experian credit report and score via XXXX. Each time that I call Experian at ( XXXX ) XXXX or ( XXXX ) XXXX during their business hours, there's no live agent to speak with.
Consumer complaint received 2021-06-25
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. (TN)

I am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. 
on or about XX/XX/2020, Capital One sent me a letter telling me that they had put a hold on my Capital One account because they wanted to clear up concerns they had around potential FRAUD. They wanted me to call them so that they could work to resolve this issue with me. I called Capital One on XX/XX/2020. They stated that an individual was claiming to be me, so they wanted me to send them copies of my driver 's license, social security card and proof of residence. I send them what they requested. 
On XX/XX/2020, Capital One sent me a letter telling me that they had put another hold on my credit card account, because they suspected FRAUD. I sent them copies as they requested. Capital One sent me various new cards to clear up to eliminate the potential FRAUD. This potential FRAUD was never eliminated by Capital One. The Thief has stolen my social security number, driver 's license, birth date and was able to deceive Capital One employees into allowing him into my Capital One online account. Where he was able to change my password and user ID. To this date Capital One has refused to comply for the various records/documents requests.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had a Capital One Quicksilver card with considerable cash back built up - approximately {$1700.00}. On XX/XX/2023, I was on the Quicksilver App when I noticed that I was eligible to upgrade to the Capital One Venture card. I had been looking for a travel credit card, so I did so. Part of the reason I chose the Venture card was the advertising for XXXX bonus miles. 

On XX/XX/2023, I found out that Capital One would not honor the bonus miles as I was an " upgrading '' customer and not a new customer. I also found out that Capital One converted my {$1700.00} in cash-back to " miles '' that now have a cash value of only {$890.00}. In a span of two days, I Capital One essentially stole {$890.00} of my cash-back that I had accumulated over six years, and also refused to honor the bonus miles for the Capital One Venture card that is on all of their promotional materials. I tried calling Capital One about this matter, but they claimed they would not change my card back to Quicksilver and restore my cash-back, and they also refused to provide the bonus miles. There was no clear warning in the App when I " upgraded '' the card that I would lose my Quicksilver cash-back and that I would not qualify for the bonus miles. Capital One customer service claimed they could not do anything to make this issue right. Had I known I would lose the cash-back I had already accrued and that I would not get the promotional bonus miles, I NEVER would have " upgraded '' to the Venture card.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-25
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. (TX)

Experian dispute repeats what the creditor states, without any documentation or investigation from Experian 's point of view. Yet, it keeps damaging my credit score, with apparently no recourse for me. 

Reference to Experian Report Number XXXX Issue : XXXX ( credit union in TX ) reported wrongly on my file that I was late 30 days. I asked for documentation, and they refused to provide. 
I opened a dispute with Experian, and I was asked documentation to sustain my dispute. I provided it. 
XXXX response came exactly the same way as before, without any documentation, wrongly stating that I was late for 30 days. 
I asked Experian how was this determined, and I got no answer. 
Why is it possible that a credit union can put anything on a report, and when asked for documentation they do not have to produce anything? 
Can I get this item corrected?
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Delivery Financial Services, LLC (OK)

This is very disappointing I just woke up and saw that I had two collections on my XXXX from Delivery Financial Services, First off I never received a statement/bill from the original creditor with a balance and did not receive a letter from the collection agency within 30 days to dispute or valid the debt ive stayed at my current address for a year and a half there no reason the for collection agency not sending me a letter to validate the debt or dispute before it was posted to my credit report.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter in regards to inaccurate/unknown items on my credit report. Till this day I have not received a response yet. I feel like I am being taken advantage of and being ignored of my dispute.Section 611 ( A ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. That time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the wrong hands of the wrong person.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit scores do not reflect my accurate score, several factors are not being taken into consideration with my score. Credit cards are being paid off in full yet my scores have not been adjusted and if they have been only are adjusted by 2 points. 

For example, Transunion and XXXX  will deduct 12 points for a credit card debt increase of {$98.00} but once the credit card is paid off in full of {$1200.00} they only increase my score of only 2 points. 

Second example that I have encountered, my credit score drops by 2 points for every hard inquiries a total of six inquiries 12 points, but when the two year time is over only 2 points are returned. Only 2 points for the removal of 6 inquiries, NOT FAIR! 

I have paid off multiple credit cards, but Transunion and XXXX  take multiple months to update my scores, however in the event I miss one payment or have a credit inquires made the negative scores are updated almost immediately. 

Mi scores are in low 600 's but should reflect something in the 700 's, but even in the event where everything is paid off in full do my scores ever increase. I feel this is a complete injustice to the consumer bullied by big companies that make a fortune off the inaccurate credit reporting. What is one to do? I need help, back up, I need your organization to intervene and adjust my inaccurate scores. 

Please, Please, please help me!
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (NY)

I am writing to dispute a fraudulent account on my report. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2021-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from XXXX  and TransUnion without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (OH)

I am a XXXX XXXX. I sometimes send money through this app to family and friends. My father sent me cash I gave to him to pay my bills. It is the XXXX & I got these on the XXXX. My account was closed by Robinhood but I have XXXX XXXX dollars I have no access too. There was a remediation process on the XXXX that took 10 days and I still have not received my funds. Business is slow this time of the year so for them to hold my funds this long, I have lost money, customers and I am behind on bills. Please help me get my hard earned money they have no right to take. I asked many times to close my account and return funds. They closed it but no access to my money still. I have no access to any of my old accounts I signed up with, because I was a victim of identity fraud, and it gives me no option to cash out my money to a new card or account. And doesnt give me an option to speak with someone.