davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc. (CO)

On XX/XX/2023 I called Wisely to get my balance. The person i spoke to asked me if i had my card and i told them " no '' becuase i was in a community corrections facility and didn't have access to it. So then wisely told me they were canceling my card and i told them " not to '' but instead they locked the card and have been charging a dormant fee of {$4.00} several months since then. Still i need a new card now becuase of how wisely opperates. Wisely told me i need to fax documents of my SSN, State ID, and release letter from the facility i was in which i have provided on XX/XX/2023 and was told to fax to XXXX. Wisely instructed me to call back on XX/XX/2023 so that my documents could be verified. So i called back to wisely customer care on XX/XX/2023 and was told I'm not supposed to FAX anything that was a lie and it's all my fualt. Its a lie becuase when you tell somebody something you don't actually know as true as being true it's a LIE. Then I was told that i am supposed to upload my documents through a link using reference number XXXX then to call back in two more buiseness days and my needed documents are still not resolved. So far what's being communicated to me about Wisely 's process for handling card activation is false and not meeting my rights and expectations of being a creditor and customer because I have a right to my money on demand in full amount or any part there of. Wisely has sent a new card according to them on XX/XX/2023 but this process they can't seem to complete of verifying my documents is of concern. Being a customer of any bank there is the expectation that there will be compitent and profesional communication and procedures that are followed an upheld. So far I've been given careless bad information. I have been told that there would be a deadline as to when my information would be processed and my card would be activated and it still has not been! I still don't have my hard earned money! The level of clear disregard for customer service and degree of dishonesty is absolutely appalling! THIS IS A BANK LYING TO ME AND KEEPING MY MONEY FROM ME! I can not trust that Wisely will just do what they say they're gon na do. Or that anything I've been told is actually true. I Will not wait indefinetly for my money. Action needs to taken against this bank. I have submited every document they have asked for FAX and through wisely 's " box '' link and yet I can't say that's gon na be enough or that i will ever see my $ XXXX at this time. please help me thank you.
Consumer complaint received 2023-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (MO)

I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give Zion Debt Holding LLC written permission to furnish this account.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MD)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

The creditor is Ally Financial. 
Account number XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-07-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A bankruptcy is being reported on my credit file in which never took place, when I contacted the courts they have no record of this. After filing a dispute with the credit reporting agency the almost immediately reply with stating the investigation was complete and found no error.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

To whom it may concern, I have disputed Portfolio Recovery Associates on behalf of XXXX XXXX Bank XXXX for the amount of {$110.00} in the past and never received anything back within the 30 days allotted so this account should be deleted/removed from my credit profile on XXXX, XXXX, and XXXX. 

The original dispute was regarding the validity of this debt because I only have XXXX XXXX XXXX credit cards and they are both current. I am not sure where this {$110.00} collection is coming from. I have had a credit card past 7 years ago in the past from XXXX XXXX, but as you see in the attachment, what is being reported on my credit is that it was opened XX/XX/XXXX and last active on XX/XX/XXXX. Which again, not really sure where this collection is coming from. 

Please help me get Portfolio Recovery Associates on behalf of XXXX XXXX XXXX XXXX account deleted/removed from my credit profiles on all three bureaus. 

Thank you, XXXX XXXX Account Name : Portfolio Recovery Associates XXXX XXXX XXXX Bank XXXX Account Number : XXXX Amount : {$110.00}
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report, with the inaccuracies clearly highlighted. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-14
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights, XXXX Account # XXXX has violated my rights, XXXX Account # XXXX, has violated my rights, XXXX # XXXX has violated my rights, XXXX Account # XXXX, has violated my rights, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account # XXXX has violated 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 an account without my written instruction.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Your form did not offer the option that accurately covers my dispute. I noticed an unexpectedly charge of {$24.00} from Transunion on my general credit card. I called the number on the credit card charge. The help person seemed to know why I was calling before I could really explain the issue ( like I was the 10th person to call with the same problem ). The help person quickly canceled the identity theft policy that she said I had and was the purpose of the fee of {$24.00}. I had to ask for a refund of the fee already charged to me since it was never authorized. She gave me the refund so my problem was solved. 

BUT, it is predatory to extend my identity theft coverage by charging the fee with no notice. According to Transunion, I had this protection beginning in 2018 which was free, probably given to me from some firm whose data was exposed. Presumably, it ran out after 5 years but Transunion should never have charged me to extend the coverage without notice. Transunion should have their hand slapped severely for their action.
Consumer complaint received 2023-10-22
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XX/XX/XXXX I received a scam phone call from Bank of America-at the time I felt it was them as I questioned them about my account and this person knew everything-they even had changed my password. They knew the purchases I had made. I confirmed my last few digits of my card which at that time I felt weird. I hung up and called Bank of America immediately. I told them this person seems to have everything-access to my account ( which at the time I had already gone in and changed my password twice ) I knew they had all my account information and I TOLD BOA that. The lady issued me a new card and canceled my old one. Hindsight I don't know why she didn't freeze my account. 
XX/XX/XXXX I saw a charge for a direct deposit or cash advance and I called. Again, I went through what happened and that I knew my account had been compromised. She assured me that she also saw the transaction and that it is being denied. I again told her I thought their accounts have been hacked as well because this person had EVERYTHING of mine and I did not give them access to my account. I did confirm my last 6 digits. 
Again, she assured me that they are on it and that my account is secure. 
I believe I called a couple times that day. XX/XX/XXXX, {$14000.00} deposit was accepted. Again, I called about this. They told me that I was scammed and this is my fault. They gave me a new login which should've been done 2 days earlier when I had first called. 
I was upfront and honest with Bank of America and I had called immediately before ANY transactions had been made. They FAILED to secure my account. They said I made the deposit because it came from a device I had-this is false. I told them this and they said that was the scam. Again. I get part of this is on me. However, I called before transactions were initiated and they didn't secure my account. Therefore I feel this is on them. 
I have appealed the ruling and am waiting for another ruling. I am dead set on not paying this because I warned them I had been hacked. They should have froze that account the minute I called. Why issue a new card if it's still linked to the one that was compromised? I have been with BOA for 21 years. I have NEVER made a cash advance or a deposit from the CC. NEVER. I told them that and they told me it is all denied.
Consumer complaint received 2023-07-09
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. (GA)

XXXX XXXX continues to attempt to collect a debt that I do not own or have no knowledge of. They have failed to provide proof of debt, contract of such said debt and continue to pay credit bureaus to be able to report erroneous debt. I request that this false information is removed immediately. This debt was purchased from the original creditor XXXX XXXX XXXX XXXX  and states that I owe {$340.00}. I have no business dealings with XXXX XXXX XXXX XXXX  and there has been no communication from them as well stating that a mutual agreement or contract was ever had between them and I.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, XXXX, and Equifax that a thorough reinvestigation into these accounts is imperative. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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. (FL)

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 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 XXXXXXXX, 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 an 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 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I bring to your attention the list of accounts presented below. It has come to my knowledge that these accounts have encroached upon my federally safeguarded consumer rights to privacy and confidentiality, as stated in 15 USC 1681. I have made it explicitly clear to XXXX, Transunion, and XXXX that a thorough reinvestigation into these accounts is imperative. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When your credit report shows a late payment of 60 days for more than two months without a 30-day late payment being reported first, it may indicate a potential error in reporting or an oversight. Credit reporting agencies generally expect a 30-day late payment to be reported before a 60-day late payment.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (NJ)

Equifax has not properly reinvestigated XXXX XXXX acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Equifax has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published. 
Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

There was a list of items that were sent in my initial dispute letter that now must be deleted from database. 

The information must be deleted from my report as soon as possible. Not only did Equifax not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, Equifax had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (CO)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC. (MT)

Ally / Ollo has texted and even called my number after XXXX. I have screenshots as proof of the call after XXXX as well as the text message after XXXX at XXXX on XX/XX/2023 and the call was on XX/XX/2023 at XXXX in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX