davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

I have been a longtime customer of Bluebird Prepaid Card owned by American Express since 2016. I have experienced problems in the past year but until then never had any issues with them. I used them as a way to take advantage of getting my paycheck early and after my paycheck was deposited, I would withdraw it and put it into my bank. Being I do not feel safe using my bank issued debit card, whenever I wanted to shop online, I would transfer the money over to my bluebird card to use it to shop. Tonight, I had done the same thing, I added funds to my account and I started using my bluebird account for XXXX so whenever I wanted to take an XXXX, I would add funds to my bluebird account. However, this time, it kept saying there was some sort of error and I kept trying to add the funds in my account. I then get a message saying my account is suspended due to violating the community guidelines. I never broke any guidelines, all I did was added funds to my card which never seemed to be an issue in the past 5 years that I had this card. 

Thinking this was a mistake, I called customer service and they blocked my number saying my account was suspended and to refer to my email. I check my email and they said in order to find out what happened to my account, I need to write in to them via mail. That to me is really shady, they won't answer my calls, I've been hung up on and no one is telling me how I can get my money. MY PAYCHECK gets deposited on that account that was 'suspended '!!!!!! 

I refuse to write into this company that I've given so many chances this past year and ended up screwing me over. I want my money, the full amount and I know how much is in there to be sent to me ASAP, I don't want to write in to get my hard earned money. 

This happened to me around XXXX, it is now XXXX in the morning and Bluebird has caused me nothing but anxiety not knowing how I was going to pay my bills this week or buy food for my household. have heard from other customers who experienced the same thing that they refuse to give back money and I am not going to allow that to happen to me. 

This company has gone downhill and is nothing but a bunch of thieves. I heard this happened to other people, I ignored it thinking it won't happen and it did. Within a day my livelihood was put on hold because of Bluebird suspending me with no explanation and has blocked my phone number.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (DE)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} I was emailed XXXX times from this company 'RESURGENT CAPITAL SERVICES '' I have no knowledge of who these people are they made a portal for me to pay them for a XXXX  XXXX account that never has been validated. Nor did i give my consent to be emailed or my personal information to be given to this company, and stated as " a debt owed '',.
Consumer complaint received 2021-09-21
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: Receivable Solutions, Inc. (SC)

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this agency. I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report. This company also seems to have committed identity theft due to myself never doing business with them about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Attached below is my request for any negotiable instrument that contains signatures between XXXX XXXX XXXX. Silence is acquiescence, if within 30 days of receipt of this request, the original negotiable instrument along with full material disclosure is not received, further legal action will be taken if Medical Data Systems continues to report to consumer reporting agencies a fraudulent account. 

I have the right to request full disclosure pursuant to the Freedom of Information Act & Equal Opportunity Act. Failure to do so can be seen as fraudulent concealment.

Pursuant to 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

A copy of this request has been mailed to the registered agent as well for record of any future legal proceedings that may take place, thank you.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

To : The Office of Registered Agent for National Credit Systems XXXX XXXX XXXX  XXXX  From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act and equal opportunity act. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.
Consumer complaint received 2021-10-07
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. (GA)

After contacting XXXX XXXX and monitoring services and Transunion several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say XXXX and Transunion is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted dispute letters to all 3 bureaus regarding inaccuracies of dates of late payment and inaccurate accounts on my credit report. One of the accounts were updated but the other 4 were disregarded. This is a violation of my rights.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (TX)

I have been disputing this account for some time now with ALDOUS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation (IL)

I have tried to dispute world finance every since I've seen it on my credit report I did not open a pay day loan from them my actual loan is from security XXXX XXXX which who is no longer in business in the state of Illinois do to the law the state governor pass in XXXX which was supposed to reduce high interest rates and fees I have pretty much paid off this loan during there closing they sent out letter 's saying that they are no longer in business can't take payments so I look up World Finance sent me a letter saying I opened an account with them which is actually XXXX XXXX XXXX XXXX account that they sold to them and no they're forcing me to pay them and they have tremendously hurt my credit score I did not open no loan with them period world finance I have tried to upload the letter 's saying that they are no longer in business and it keeps coming back that I owe world finance and I opened a secure loan with them and I'm pass due 30 days if you notice I pay my bills on time I have some debt but needless to say that they're hurting my credit score with sending my stuff over to World Finance I did not go anywhere finance and apply for a loan I did not find any paperwork for World Finance anything in that nature my loan came from XXXX XXXX XXXX  which is known as if XXXX and they are no longer in business so I am trying to figure out how can they damage my credit like they are and the laws has changed the loan is paid for basically I got this long almost 18 months ago I paid {$150.00} a month all the way up until XXXX and I started this this loan in XX/XX/XXXX XXXX of XXXX governor XXXX XXXX pass the law for these loan companies which force alot out of business due to extreme high interest rates and over charging minorities and low income people with low credit score high interest that was told to be corrected and has to stop now I'm being put in a situation where they is affecting me and my lively hood I am going to reach out as well to the governor of Illinois regarding this matter and I need someone to look further into this because it's wrong and it's not right
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2021-10-07
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. (MO)

I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.
Consumer complaint received 2021-09-21
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: TD BANK US HOLDING COMPANY (NY)

I reached out to XXXX concerning a hard inquiry made on my account on XX/XX/2019 by TD Retail Card Services. I was advise by an agent that I can not dispute the inquiry via their agency ( XXXX ) and that I needed to contact the company ( Td Retail Card Service ). I immediately reached out to Td Retail Card Service and they could not find an inquiry or service made using my social. They then informed me that I should reach out to XXXX to have it removed. I called XXXX again and they told me that they can not remove hard inquires. 
I am very concern that my information was used and the company it was used can not verify this information. Therefore I am writing to complain and have this hard inquiry immediately removed. 


Call log XXXX - 5 mins 14 secs ( XXXX ) XXXX - 14 mins 51 secs ( Td Retail Card Services )
Consumer complaint received 2021-09-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-07
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. (NV)

One of the Credit bureaus combined my info with another person with the same first name and our Social Security number was different by only one number. It took me approx 8mo.to clear it up or sort of clear it up. XXXX XXXX is now reporting the same thing. My car insurance tripled and I do not have any accidents or tickets. 

These Bureus that keep track of our information and share it with companies should be held accountable for mistakes. This is insane XXXX a month for car insurance. 

I have been on the phone with XXXX now for XXXX and have not gotten anything fixed or verified yet.
Consumer complaint received 2021-09-21
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Consumer complaint received 2021-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (NV)

This is a copy of a letter I sent to Nevada State Bank on XX/XX/2021 regarding a complaint on my Home Equity Line of Credit account # Last month I had to call several times because the an error in fee. There was a small draw fee of {$30.00} that was added in my account that was not part of the contract. This was later removed after contacting my loan officer, XXXX XXXX. 
I also questioned the balance that was transferred into my new promotion of 0.90 % for 12 months which was around {$90.00} more than I expected but was reassured this was correct. Here is an excerpt of my communication with the loan officer : Yes that is correct but if you look at the XXXX statement, the 3.25 % was used to calculate the interest rather than the 1.99 % interest rate. The XXXX statement is correct because it used the correct interest rate but in XXXX statement a wrong interest rate was used. I think the extra {$90.00} or so came from the incorrect 3.25 % rate which my heloc never had as my account went from the 1.99 % promotion to the 0.90 % promotion. Please have some review this as I still believe that my calculation is correct. 
I called today XX/XX/2021 seeking clarification on the interest charge for the XX/XX/2021 statement which is incorrect. I am not sure where the {$100.00} interest for the average daily balance of {$88000.00} at a 0.90 % APR on a 30 days cycle came from since my calculation the interest should only be {$65.00}. Even the statement which listed a XXXX daily rate comes to only $ XXXX for my balance. The representative I spoke to does not know the reason and informed me that a ticket will be created for the back office to review. 
Lastly, I gave up with using billpay to send my monthly payment to this line of credit. I am not sure why the Nevada State Bank system of processing payment is very unreliable. All other billpay payments I have with my bank XXXX XXXX posts in timely manner. My account with XXXX XXXX notifies me of payment sent to Nevada State Bank to ensure receipt by XXXX of each month. However, my payment does not post into my line of credit until 7-12 days after the XXXX day of each month which is very concerning as I could be hit with late payment for payment sent on time but not processed on your end on timely basis as what happened 3-4 months ago which was later corrected after only contacting the bank of this error. This poor process also creates a huge disadvantage to the consumer with line of credit account as interest rate is calculated on daily basis and any additional day of payment not posting is an additional day of interest charged to the account by the bank. This may be illegal and is the reason I am writing this letter to preserve my rights. 

I hope these concerns and errors are addressed in a timely manner.
Consumer complaint received 2022-01-18
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. (NY)

i have an account on my credit report from the creditor XXXX XXXX that is reporting as CHARGED OFF with random months showing '' payed as agreed " in its payment history. 
I DID NOT OPEN THIS ACCOUNT, and I DID NOT MAKE ANY CHARGES ON THIS ACCOUNT. 
i was told by an XXXX  rep that i can not be assisted with this, and there is nothing i could do! 
this account needs to be blocked from ALL REPORTS ASSOCIATED WITH MY IDENTITY asap!