davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OH)

The options provided did NOT pertain to my situation. So I selected the closest one option! 

So I have several Blue Bird American Express Prepaid cards that I use individually for different expenses. 

So my one card had {$380.00}. On XX/XX/2022 I used it to purchase on XXXX for the amount of {$34.00}. The order went through with no issues. So fast forward I go to make a purchase at XXXX and my card is declined. 

Before I explain further XXXX XXXX XXXX  so my phone has XXXX XXXX XXXX  that comes up in calls so I read what is being said! 

So I call BlueBird at the number listed on the back of card. I enter card number and it tells me my account is permanently suspended. I speak with a representative who then transferred me to a male representative. He hung up on me. So I call back and get a different representative I explain to her and she puts me on hold for 10 minutes. She comes back and says my card has been permanently suspended due to fraud. So I then ask her what about my balance on my card and others. She just hangs up on me. 

So in the meantime there is approx XXXX XXXX in limbo and I cant get an answer Apparently all my other BlueBird Cards have also been permanently suspended and I cant log in to those accounts either.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

On or about XX/XX/2017 received bill from XXXX the amount was {$410.00}, then XX/XX/2017 the bill was $ XXXX.I was told by the representative for XXXX my bill was paid up for XX/XX/XXXX. and XX/XX/XXXX,. but in XX/XX/XXXX I received a statement on .XX/XX/2017 that I owed {$50.00}. Paid the {$50.00}. Same acct numbers.INCONSISTENCY with the amounts with XXXX.On XX/XX/2017 I received a bill for $ XXXX.On XX/XX/2017 received a bill for $ XXXX.In XX/XX/2017 I received a bill for {$340.00}. This has been going on for a year. This acct. was transferred from XXXX XXXX XXXX XXXX   and none of these Inconsistencies. Since XXXX took over the accts I have seen different amounts every month.Every month my husband have to talk with the representative giving them the ok to speak with me giving authorization to XXXX. I have sent two copies of release of authorization forms for me to handle our son 's acct. We have repeatly asked for an audut for our sons acct. and have not received anything.With XXXX you never know from month to month what your payments will be. The flunctations of payments and the reason for such fluctations.We are suppose to be paying the interest on our son 's loans but each and every month different amounts. Exaggerate payments from month to month even when you are not delinquent with no reduction in balance because of incompetent representatives.
Consumer complaint received 2020-08-26
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. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX and XXXX are allowing companies disguised as debt collectors threatening with letters made up to look like court documents after attempts to tell them that they should not contact me. This is affecting my opportunities to fair credit
Consumer complaint received 2022-09-13
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX FIN XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX CO XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-14
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. (GA)

Experian Credit Reporting does not investigate according to law. If you file a dispute, a few hours later the dispute is finished and nothing changes on the report. 
The following negative collection is on my credit, but the reporting company XXXX, does not have this account, and Experian will not fix it. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$2300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2300.00} {$2300.00} Payment Info Original balance {$2300.00} Balance {$2300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-16
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: CarMax, Inc. (PA)

I have been trying to get Carmax to report correctly on my consumer credit report for over 2 years now. Still my report is inaccurate, unverified and incomplete. 15 U.S. Code 1681i of the Fair Credit Reporting Act, which outlines the duties of furnishers of information upon notice of dispute. The item was never deleted, I have loss a career opportunity because of CARMAX negligent and willful noncompliance in reporting this account that's ALWAYS inaccurate. I have brought this matter to y'all attention before, CARMAX has never sent a single piece of evidence to prove they are reporting correctly. Please forward my complaint to the DOJ AND FTC if there is nothing the CFPB can do.
Consumer complaint received 2018-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I contacted Equifax on XX/XX/XXXX to inquire on why they hadnt updated my credit scores since XX/XX/XXXX for 2 of my credit cards and XX/XX/XXXX on the other 2 of my credit cards only to be told that their system was down. I contacted them again on XX/XX/XXXX and informed them of the above issue, only to be told that the 3 credit card companies for my 4 credit cards had not updated the balances. ( I advised the agent that this is not an issue with the XXXX XXXX company and that I believed the issue was with Equifax. The agent that entered the dispute was XXXX id number XXXX the dispute confirmation number XXXX. She advised that it could take up to 30 days. She asked for all 4 of my credit card balances which I provided. Then I get a credit alert on that shows that the update had been made on XX/XX/XXXX but ALL of the balances are the exact same from what was reported back in XX/XX/XXXX and XX/XX/XXXX. I am in the process of purchasing a home and the Equifax credit score is the lowest because they haven't reported in 5 months please provide some assistance.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I went to annual credit report to see whats going on with myself and wifes credit I fellow all options right away Experian took over the page and wont let us get the other 2 agencies report every time we tried to go to other agencies it went right back to Experian this is not right this is fraud Experian also has a 7 day trail for you to get you credit score I paid my {$1.00} and clicked on get my score and it took me to a other window that wanted XXXX for my credit score this again is fraud I want all three agencies shut down these are private companies and there selling our information with all the hacking going on we dont need this so please shut them down today I will be contacting my congress person and my senators to stop these fraudulent companies
Consumer complaint received 2022-09-13
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commission identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

For 2 years now,   XXXX   XXXX   have bought my former mortgage without me knowing for a six month period. No documents were sent, no phone calls were made.   XXXX   XXXX   is now being followed up by a lawyer. They did start correcting information on Equifax, but refuse to update information on   XXXX   XXXX  .
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I transferred XXXX WorldPoints from my Bank of America VISA card ending in XXXX to my Fidelity XXXX card ending in XXXX on XXXX XXXX, 2016. This is during the transition from Fidelity XXXX ( managed by FIA card services ) to Fidelity VISA ( managed by XXXX card services ), and I think it might have messed up my points because I still have n't seen these points after myFidelity XXXX ( ending in XXXX ) was transitioned into Fidelity VISA ( ending in XXXX ) on XXXX XXXX, 2016. The advertisement on the website said the points should be immediately available after the transfer, and however many points left on the old Fidelity XXXX card would be automatically available on Fidelity VISA after XXXX XXXX, 2016. 

I contacted both Bank of America and Fidelity for this issue, and they basically blamed each other. Bank of America claimed the points were already transferred over, whereas Fidelity claimed they had no way to see those points.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-08-24
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: BARCLAYS BANK DELAWARE (NH)

Bought a timeshare. The card was issued by said company to pay monthly maintenance fees. Timeshare company said fees were not being paid so I asked credit card to send a statement of all transactions on card. I had been paying credit card for fees. Credit card just sent bill without identifying name of charges.So I paid up all charged paid off and cancelled card.But then they send Another charge, I sent by mail a request for charge on card and was sent a letter it was none of my business as the account was no longer in my name just my husband. Timeshare is still trying to bill me for paid fees credit card it charging late fees also. Wyndham Rewards VISA Signature Card Barclay account ending in XXXX.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & Transunion
Consumer complaint received 2021-04-24
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: AMERICAN EXPRESS COMPANY (NJ)

I purchased items for our business when the pandemic started. The items were not delivered in the time frame they said. I canceled order. Months later the items arrived. 

- The items that were delivered did NOT match the description of items that we ordered. - The photos on the product page were completely different than the products we received We tried to contact company, phone number not working, I emailed them and they answered my email with a response that had nothing to do with my problem. 

We tried contacting them several more times via email and telephone. Each time were were denied a response I then called American Express. 

American Express assured me that I was in the right and they would take care of it. 

I wanted to send back the faulty items but they said not to worry because the company wasn't responding to american express, and again, I was in the right. 

We then received a letter from American Express stating that we were being re-billed for the items because they found the merchant to be in the right. 

How? we asked American Express again. The representative stated it was a mistake and asked us to send more information including photos of the product. We did as American Express asked. 

American Express placed the charge on hold and said we were not responsible for the charge until the matter is resolved. We were assured that our claim was absolutely legitimate and to rest assured that American Express would take care of the matter About two weeks later we received another letter form American Express stating, ponce again, that the charge has been re-billed to our account. 

After almost a year and about a dozen calls to American Express we are no closer to resolving the issue. 

American Express continues to disregard all of our information and simply denies our claim. 

We are continually told by American Express representatives " I don't understand what happened ... let 's try this again ... you are absolutely in the right ... I'm not sure why this is happening ... I'll make sure this gets to the right person ... I'll make sure this gets resolved ... '' ( I'd like to hear the playback of the conversation that they have recorded " for quality assurance '' ) However, nothing gets resolved. 

I don't know what the terms and conditions are of the agreement between American Express and their merchants, but, as a cardholder who is protected against such fraudulent practices, I insist my consumer rights be upheld and respected.