davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had an account with Capital One for over a decade. On XX/XX/XXXX, I received notification that because I hadn't used my card in 5 years, my account was restricted ( as of the date of the letter, XXXX XXXX ) - so I no longer had charging privileges and it can not be unrestricted prior to closure or reopened once closed. When I first opened my card, I had been told that my miles would never go away -- even if I reopened an account with Capital One, my rewards points would follow me. This letter from them tells a different story -- they've told me that my rewards points will disappear if they are not used by XX/XX/XXXX. In other words, it is a bait and switch. 

I hadn't been using the card because I was happily able to deal with my purchases without the need for credit. HOWEVER, I had intentionally kept the card open because I had accrued XXXX miles on that card which I wanted to use for a big trip somewhere. I was saving them up! 

The letter of XX/XX/XXXX acknowledged the rewards points and told me I had 3 months from the date of the card to use the points. I looked on their website and found that the way to use the points for miles is to book the travel and then have Capital One reimburse based on the miles accrued. So, I did this. 

Then, I called Capital One at the number given on the letter - the woman I spoke with told me that, as the card was restricted, I couldn't use it for travel ( the one reason I had saved them up ). At best, I could get a check for approximately half their travel value ( {$340.00} dollars ) or I could get gift cards for up to {$650.00} dollars. Neither of these responses meet my needs. The lady on the phone connected me with the travel service capital one uses, and they told me they could book my flight for me, but, as I no longer have use of the card, I'd have to talk to yet another person. So, I was transferred again. This lady gave me the first option ( half the value check or giftcards ) and I explained that I had been shuttled around twice, with the suggestion that she could help me with the travel. She told me she'd look into this, but as yet, to no avail. 

I carried the card, I obviously used the card enough to get a healthy number of points, I kept the card open to use the points for travel, and have now been told that this isn't an option, as they chose to close my card without my being able to change their decision. This choice on their part is a ding on my credit, which I am not happy about, but more significantly, it is resulting in the loss of a big chunk of money that I actually earned by carrying and using their card. Basically, it seems that once I was no longer making them money, they discarded me -- even though I had made them significant money ( and earned significant points ) in the past. This doesn't seem right. I hope you can help.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

Virtuoso Sourcing Group, a collections company working on behalf of XXXX agreed to settle my debt for 75 % of the amount owed ( settlement offer letter attached ).

The original amount owed was {$260.00}. As agreed, I paid {$190.00} via check on XX/XX/21 ( copy attached ). 

Yesterday, XX/XX/21, a new collections company - XXXX XXXX XXXX XXXX contacted me on behalf of XXXX attempting to collect the 25 % that was discounted. 

I called Virtuoso, they said they no longer have the file, because XXXX pulled it from them on XX/XX/21 but their records show that I still owe a balance. 

I called XXXX and was told that Virtuoso had the file and they did not have any record of the new collections company that called me. 

My call was transferred to 6 different associates within XXXX and Virtuoso over the course of 1 hour and no one was able to help.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, 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. (PA)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX inquiry which is new still showed up
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, On XX/XX/2020 I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, XXXX, and Trans Union under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/2020 I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, TransUnion, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX are reporting an account XXXX XXXX XXXX for {$680.00}. The information posted is inaccurate and have responded by invalidating my request based on non-specifics. By law, that is not my responsibility. They have failed to properly investigate multiple times. I have no agreement with XXXX and they do not have permission to have my information. Transunion and XXXX in addition do not have permission to share my information with 3rd parties like XXXX that is inaccurate. Transunion and XXXX are in violation of the FCRA sections 1681e, 1681i and 1681s-2.
Consumer complaint received 2021-11-10
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-08-20
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-06-09
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. (FL)

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2021-06-09
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. (NJ)

I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. XXXX XXXX and Equifax have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  and Equifax have all my the fair credit reporting act. I want all items deleted.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OR)

I was a victim of identity theft in XXXX, and have had multiple credit card accounts opened in my name since then. In XXXX of XXXX, I found a credit card opened in my name that I did not open. It was charged for XXXX XXXX and opened XX/XX/XXXX. It had not appeared on my credit report prior to this, and I was not contacted by Discover about this card. 

I reported this to Discover Bank in XXXX and XXXX of XXXX. I forwarded Discover the information they asked for, which included information about previously opened fraudulent accounts, as well as a Police and FTC report. I was informed that they would need more information regarding this account. I contacted them on multiple occasions, and was continuously told to resend the information previously mentioned. 

In XXXX of XXXX, I received a notice in the mail that this account had been investigated, and it's balance was considered valid due to the fact that the credit card was sent to a previous lived at address, and that I provided Discover with my name, address and identifying information. This account was opened without my knowledge or permission. I did not receive a card, and I did not provide Discover with my information.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian keeps listing my XXXX XXXX account as over the limit. XXXX XXXX has no credit limit on their cards. The balance is paid and due monthly. Experian is aware of this and additionally I have disputed this several times to no avail. The effect is a lower credit score and negative remarks on my report.
Consumer complaint received 2018-02-09
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: LEXISNEXIS (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that 3 credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (WA)

On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.
Consumer complaint received 2024-05-01
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (CA)

i received a letter from nelnet on XX/XX/XXXX, 2024. im not paying " you '' department of education because another " government agency '' ( according to the cfpb ) the federal reserve has defrauded me. they are refusing to return my collateral as they are currently bankrupt and in open default, so im not making any payments to anyone from the interest. XXXX. stop contacting me. bitcoin now or if you dont have my bitcoin then XXXX. we have nothing to talk about. also arrest XXXX XXXX XXXX.
Consumer complaint received 2020-12-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NV)

The following is a copy of the email I received for a debt that does not belong to me. It's the only email I ever received from the company and there was no subpoena attached. 

Dear Customer, We still have not received any response from your side in regards to your XXXX XXXX account XXXX As of now rather than chasing you for money, we have simply decided to write this money as loss, stolen and press charges against you. Now the legal case which is going to be filed against your name is under section 9 chapter 19. 

The company has all the rights and authorities to inform your current employer about what you have done in the past and shall be the result and the consequences, once this case will be downloaded and executed with the judgments against you, which could lead you to termination. 
Also the non repayment of a loan could be reported by the lenders to three major credit bureaus, causing severe damage to your credit history or credit report.

The copy of the subpoena will be forwarded to you Human resources or the legal representative of your firm, where in they have to appear in the court while the case is on, that could lead to you termination from the full time employment and by forwarding the subpoena to social security any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

This will also be reported to IRS which might lead to LEGAL PROCEEDING. 

Before proceeding ahead we just want to ask you for the final time whether you wish to take care of this loan account of yours or not.

We are willing to provide you a one time settlement or payment arrangement as per your convenience.

Do revert ASAP as you merely got three business days to respond. 



Thank you. 





Manager Legal Department XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, LA XXXX, United States
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX I sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

On XX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to myXX/XX/XXXX inquiring. XXXX acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Consumer complaint received 2022-06-27
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: CURO Intermediate Holdings (TN)

XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of Speedy Cash. XXXX XXXX XXXX XXXX XXXX and Speedy Cash is reporting incorrect information to XXXX. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from Speedy Cash with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
Consumer complaint received 2021-08-20
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: T.S. Holdings (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed accounts that are reporting in error on my credit report. I have sent several dispute letters in the last 7 months to have the accounts removed from my credit report. Transunion, XXXX and XXXX  have failed to validate all items reporting on my credit reports. The dates, I mailed in disputes are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Transunion, XXXX and XXXX have all my the fair credit reporting act. I want all items deleted.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (TX)

I bought a used truck from Carvana last year. Carvana uses XXXX to service the loan. I have requested multiple times by phone and by email to both XXXX and Carvana to provide paper statements each month. They flat refuse. 

It is my understanding that the E-Sign Act requires them to supply paper statements unless I opt-in to paperless.I do not remember doing this in anything I have signed. In any case, the E-Sign Act also allows me to opt-out of paperless as well. 

I need the CFPB to intervene and demand their compliance with this Federal Law on my behalf. This means that I want to receive paper statements every month.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AL)

I have placed an order on Amazon.com and used my reward points from the amazon store card which were XXXX dollars for that order on XX/XX/2021 order number XXXX and then I cancelled the order few minutes after, but until today XX/XX/2021 I did NOT get the reward points back which are the XXXX dollars. I called amazon and I called the amazon card at synchrony bank but everyone gave me a different answer. I was told I would get the rewards points back within 48hours and somebody else said 72 hours and the representative at synchrony bank amazon card said 3-5 business days but I still have NOT received the money back. Its like the money was lost and never refunded back to me and today I asked for an account manager and he was very rude and unprofessional and loud and said I have to wait for 2 months until end of XXXX to get my rewards money back and he said it in a very angry loud voice. Very poor quality customer service and very poor quality management. I want my XXXX dollars rewards money back so I can use them to place a new order on Amazon.com. Amazon store card can not hold my money for 2 months like that rude manager screamed in my face. Very rude and unprofessional.