davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (IA)

I purchased a Bluebird prepaid card by American Express at XXXX the beginning of XXXX. I became concerned when I received five different cards and two to my email associated with my old account which they closed that had nothing to do with my original purchase. Called bluebird and they said I had to have opened all those accounts online. I told them I purchased at XXXX. I have still not received my permanent card, I have called five times, they have since sent out three new cards, tried to charge me for a replacement card, and I have not received one yet. I have money I placed on this card and can not use it. I also ask for corporate address and the information they gave me was all false. I have tried to file with the XXXX, but they need an address. This has been a nightmare. I also had a Bluebird when it first came out and they closed this account. I hope you can help me. Also along time ago I had American Express business gold card. This is very disappointing. Thank you
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The consumer reporting companies known as XXXX XXXX and XXXX XXXX have reporting incorrect info for the last months when I applied for credit and loans through several different companies. I applied to these companies base on being pre-approve base on my XXXX credit score. I paid off all off my charge accounts and debts in XX/XX/2021, but none of what I paid off is reflecting on XXXX XXXX and XXXX XXXX. each still have stuff on my report over 7 years old or stuff that has not been updated as paid. I am very upset because I recently was discharge from bankruptcy and a number of debts was paid off and cleared as a result of the discharge in XX/XX/2021. I need to know why these companies have not updated my credit files. This continue to damage my abilities to apply for credit. I have work very hard to repair my credit for this to cause problems now. I need this fix ASAP
Consumer complaint received 2018-12-27
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. (AZ)

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

A recurring transfer was set up for Fifth-Third Bank to draw funds from a XXXX XXXX Account on a monthly basis. The transfer was cancelled and the Fifth-Third Account closed, yet the Fifth-Third Account continues to draw funds from the XXXX XXXX Account. THREE HOURS on the phone with BOTH banks has not resolved the problem. 

No one at FIFTH THIRD BANK seems to be able to resolve this issue since the " Account is closed. ''
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OH)

To Whom It May Concern, The reason for my dispute is BULL CITY FINANCIAL SOLUTION # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, BULL CITY FINANCIAL SOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) BULL CITY FINANCIAL SOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation BULL CITY FINANCIAL SOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where BULL CITY FINANCIAL SOLUTION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. BULL CITY FINANCIAL SOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (AZ)

My service with XXXX XXXX  was on a monthly basis and no penalty if I left. I cancel my service and switch from XXXX XXXX to XXXX XXXX a few years back. 
Later I saw a collection placed on my credit report on XXXX for XXXX dollars to XXXX XXXX from XXXX XXXX back on XXXX XXXX, XXXX. I disputed with XXXX  and was deleted-report number XXXX date generated XXXX XXXX, XXXX XXXX XXXX placed again the same collection on my credit report at XXXX on XX/XX/XXXX for XXXX dollars-original creditor again XXXX XXXX. I disputed again with XXXX and it was removed from my credit report- Report number XXXX. Date generated XX/XX/XXXX XXXX On XX/XX/XXXX Credence Resource Management placed for collection on my credit report at XXXX the same collection bill from XXXX XXXX that XXXX XXXX had try before, this time for the amount of XXXX dollars-Original Creditor XXXX XXXX. I disputed with XXXX and it was deletedXXXX Report number XXXXDate generated : XX/XX/XXXX. 
A month ago I found out that the same collection bill from Credence Resource Management was placed for collection on my credit report at XXXX  back on XX/XX/XXXX. original creditor XXXX XXXX-amount XXXX dollars. 
Around XX/XX/XXXX I filed a dispute with XXXX. The collection was not remove from my credit report and I don't know why. 
I have filed on XX/XX/XXXX a second dispute with XXXX but this time I want a mediator to oversee my dispute because this is an unlawful attempt to collect money I don't owe and it is damaging my credit score put out by XXXX and my credit. 
The collection reports from Credence Resource Management placed on my credit report has been deleted from the other report agencies because of the unlawful attempt from XXXX XXXX  to collect money I don't owe. It is the same alleged bill owe. 
On XXXX and XXXX the collection placed on my credit report from XXXX XXXX was deleted from my credit report at XXXX, so was on XXXX the collection placed by Credence Resource Management-DELETED-, it was the results of the investigation done by XXXX XXXX
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I XXXX XXXX XXXX and as payment method I use paypal. XXXX days before paypal asked for a review of my account .I have done previously these type of reviews and have passed them where I show proof of fulfillment for my clients.The same way I sent all the proof needed for my products. I am pretty sure I have sent the right information and this is not the case why they have limited my account.They state that I am limited because I have connection with another account in paypal that is limited. In my own knowledge, in my name I only have XXXX and XXXX. The second one has never been used and the first one is the one they limited today. So they must be mistaken for this and its unfair.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (TN)

The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX$1100.00}
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

I had a store credit card with XXXX issued by Comenity Bank last year that I attempted to pay off and close in XX/XX/XXXX. I called Comenity on XX/XX/XXXX to pay off and close my account and the representative said I needed to pay off the balance of {$200.00} to close my account. I paid that amount over the phone using my debit card and was assured that the account was closed and nothing more was owed. My XXXX  and I also moved that month and didn't begin receiving forwarded mail for over a month. By that time, I hadn't received any mail from XXXX and had assumed that my account was closed and paid off. I received a statement in XX/XX/XXXX from XXXX and much to my surprise found that I owed a balance of {$75.00}. I called Comenity to see why I owed this money and was told that accrued interest of {$2.00} wasn't included in the {$200.00} that I paid on XX/XX/XXXX, and interest and late fees had accrued each month since. I went ahead and paid off the new amount because I just wanted to be done with it and was assured it would not happen again. The very next month, I received ANOTHER statement saying I owed {$2.00}, so I immediately called Comenity Bank who removed the {$2.00} charge and finally left me with a XXXX balance, which is what I intended and was told would happen last year in XXXX. I feel that Comenity was misleading in telling me that the balance would be paid off when accrued interest wasn't included in the payoff amount, and it seems borderline predatory to then charge late fees and additional interest on a {$2.00} balance that never should have existed.
Consumer complaint received 2021-05-10
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: ENCORE CAPITAL GROUP INC. (KY)

My name is XXXX XXXX and I am a case XXXX for the XXXX for XXXX and XXXX XXXX in the state of Kentucky. I am XXXX XXXX 's case XXXX. XXXX is child who is a ward of the state of KY. She has debt on her credit report for {$590.00} that is owed to Midland Funding XXXX This is incorrect as she is a minor and does not have any legal financial obligations.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$53000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA XXXX The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC. (NC)

XX/XX/2019 i received a response from CAPSTONE CREDIT COLLECTIONS LLC i recently found out that the debt is not owned or bought by the company and the management is no longer in business i asked CAPSTONE CREDIT COLLECTIONS LLC IF I PAID THE DEBT WHO would they pay for my debt they told me to the management of XXXX AT XXXX XXXX. I DISCOVERS that the company has been bought out. the company has new management now which makes a new contract to be made in place, which CAPSTONE DOES NOT HAVE. Capstone has informed me that there trying to collect a debt that's pass the statues of limitations on top of not owning the debt in addition to that doesn't have a contract with the new management that there saying they would pay the debt to. so CAPSTONE is the only company that would be getting paid with no contract in place since the management that exist almost 6 years ago doesn't operate any longer CAPSTONE is trying to convince me that the new owners own the debt but, i have contacted the new owners at XXXX XXXX WHICH TOLD ME THAT they do not own any debt or are affiliate with XXXX at XXXX XXXX there committing fraud and i would like proof that they have permission to try to collect this debt in 2019 and i would like contact information for who owns this debt and who would i be paying this invalid debt to
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
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. (IL)

Experian is reporting a fraudulent collections account on my credit report. A tenant of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, rented an apartment in my name beginning XXXX, 2019 and squatted for 3 months without paying any bills or rent. This resulted in a eviction and judgment totaling {$7000.00} with attorney fees. When I learned about this judgment I reached out to XXXX XXXX and informed them I did not authorize a lease in my name and this transaction was result of fraud. I spoke to the property manager and forwarded her my police report, proof of address, identity and other supporting documentation. I was informed that any liability by me as it related to this account would be dissolved, due to this I figured the issue was resolved. Fast forward 2 months later, XX/XX/2019, a collection account related to the fraudulent apartment was reported to my Experian credit report in the amount of {$4700.00} by XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX  sold a knowingly fraudulent account to the collection agency which in and of itself is illegal pursuant to FCRA 615 ( f ) ( 1 ). 

I spoke to XXXX XXXX at XXXX XXXX XXXX on XX/XX/2019. He stated I should mail my documents supporting my fraud claim to their PO Box and it could take up to 30 days after receipt to complete their investigation and an addition 30-45 days to be removed from my report. I inquired on a fax or email to expedite the receipt of my documents and he stated mail was the only option. 

I work in XXXX and am currently up for a promotion.This fraudulent collection will hinder me from my promotion as a credit check and good credit file is a mandatory criteria. My supervisor will literally be puling my credit in the next few days according to an email I received. This account must be permanently blocked expeditiously.
Consumer complaint received 2019-09-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (WA)

Not sure if this is the place to inquire about this process - I applied for a convention loan during a recent home purchase, but was told by the mortgage broker ( XXXX XXXX - Cross Country Mortgage ) that i didnt qualify for a conventional mortgage - although my credit score at the time was 720+ and we put down ~10 % towards the loan. 

I was put into an FHA loan with FHA insurance, and i am wondering if i shouldv'e received more information relative to a conventional loan denial other than just being told by the lender. I didnt receive any formal paperwork or documentation of that. 

I have also recently found out that the mortgage broker whom i was directed to, works closely with the builder and real estate broker, so i am not sure if i was given the best rates and options for me.
Consumer complaint received 2023-03-29
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX