davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I started doing flagger work for a local sub-contractor who gave me a Wisely prepaid card into which we would receive our paychecks. We were given sealed envelopes and told not to open them until our payday. 

I went over the fine print and the wording of two of papers make it certainly seem like I could do ACH payments through my Wisely account. It also said I could do debit transfers as well, so if you can do debit, why not ACH as well? 

Well, I tried using Wisely to pay my credit card bill and it didn't go through. My credit card company gave me a XXXX $ bounced check fee. I asked Wisely to contact my credit card company to let them know what happened or reimburse me, to which they declined. 


I called Wisely and they said I needed to get an " upgrade '' for my card and said it was free. I asked why not just send all cards out with this upgrade? Never got a straight answer. 

The issue here is simple, the paperwork specifically lists " pay bills '' as being a part of the services of the prepaid card given to us. The lists of Fees also includes pay bills and it says there is no fee for using the card to pay bills. 

The fine print that also came with the prepaid card has a sub-section specifically for ACH transactions, and it says that Wisely can do ACH transactions for this account, no mention of an upgrade or anything like that. 

There's also a section for failure to complete transaction, and Wisely says it can be liable if they fail to complete a transaction provided there is sufficient funds. Yet, there doesn't seem to be a clear indication of how to go about acting upon that? Apparently, arbitration is the only method listed, for a XXXX $ fee!? 

Wisely sends out prepaid cards with online accounts that look and feel like bank accounts, complete with routing numbers and everything. But there are requirements they don't tell you about and when you contact their customer service, they give answers which seem to contradict what the paperwork says. The customer service rep I spoke with said that Wisely doesn't do ACH without an upgrade, but I didn't see anything about that in the ACH section.

There are other parts of the paperwork that mention a need for identify confirmation for other services but none of that mentions ACH transfers? And a plain reading of the paperwork very much gives the impression that the Wisely prepaid card can already do debit/ACH transactions online as-is. 

I asked the customer service rep why they do it this way, it's like they want people to fall into this trap. They didn't answer. 

Wisely sends out prepaid cards with vague wording and vague features, hiding behind dense legalese fine-print. Surely, it would be easier and better for everyone if they just came out with a list of all the features that are or are not included with the prepaid cards as-is?
Consumer complaint received 2022-11-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WI)

I applied for the American Express XXXX card with a XXXX Membership Rewards points bonus offer. The terms of the offer stated that the XXXX points would be available within 6-8 weeks of meeting the minimum spend requirement. The XXXX points did post to my account, but I was told by an American Express representative that everyone who applied for the XXXX point bonus offer would have their Membership Rewards account locked and be unable to redeem their points for 6-8 weeks. An American Express agent I spoke to confirmed that it has been over 8 weeks since I met the minimum spend requirement and since my Membership Rewards account was locked, but that my points can still not be redeemed. He also said it was not possible for somebody to manually unlock the account, and that I would need to wait until the system automatically unlocks the points. He said there was no date by which the points are guaranteed to be unlocked, and that I will need to wait for an indefinite period of time to redeem my points. This applies not only to the XXXX points that I earned from the bonus offer, but to all of my Membership Rewards points, including those I earned from other cards before signing up for the bonus offer. Essentially, all of my Membership Rewards points that I earned in accordance with their terms are unusable until an unknown date, and nobody at American Express can fix the issue or tell me when the issue will be fixed, despite the date that their terms said the points would be available having passed.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

A while back ( year or two ) I did a balance transfer to chase. However I just checked my statement and I see that not only am I being charged monthly interest ( Which is normal ), I am being charged a monthly balance transfer interest as well. I have never heard of this and do not remember reading about that years ago when I switched. This is been cost me XXXX  and {$36.00} a month for XXXX knows how long. If it was in there was probably hit in the mound of mice type that you cant see. I would like this fee taken off and a refund For the money theyve taken each month from Me for this bogus fee. My wife has done many balance transfers and is never receive a monthly balance transfer fee. I couldnt even find something like that on the Internet when I just tried to find it.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (OK)

I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit practices.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (NJ)

Received a letter from Zwicker and Associates stating I have a judgement from XXXX XXXX and offering a payment arrangement. I looked in both NY and NJ civil ecourt systems and have no such judgements. As this is a law firm they are knowingly making false statements as an intimidation tactic
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

For about the last 90 calendar days ever since that " Equifax Data Breech '' happened I have trying to get " Equifax '' to REMOVE an out-of-state address multiple times that I have NEVER lived at with NEGATIVE results. 
Around the middle of XX/XX/2017 I ordered my " Equifax '' credit report have the " Equifax Data Breech '' made the headline news on XXXX XXXX, etc. 
Under the " Previous Address ( es ) '' box it WRONGFULLY list that I used to live at : " XXXX XXXX XXXX, XXXX. ; XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX. '' I have NEVER even traveled to Minnesota let alone LIVED there. 
I work for the XXXX XXXX XXXX for the last 30 consecutive years. 
You have to live in the XXXX XXXX XXXX in order to be able to work for the XXXX XXXX XXXX with a valid XXXX XXXX XXXX driver 's license as I have. 
Yesterday I received ANOTHER copy of my " Equifax '' credit report with that WRONG " XXXX XXXX, Minnesota '' address STILL listed it!!!!
Consumer complaint received 2023-08-07
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. (SC)

TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

In XXXX XXXX, we received notice about a cancellation fee from XXXX through a debt collection agency. We did not know about the bill. We paid the bill both to the debt collector and XXXX and received a credit from XXXX. Then in XXXX we received notice from a different collection agency about the same debt. We asked for written information from diversified which we never received and also contacted XXXX who said that we didnt owe anything. Now it is on our credit reports.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I closed my account with XXXX XXXX because they gave my card information to Total AV on the internet without my permission or knowledge, and because if this, Experian lowered my credit score by XXXX points while at the same time trying to get me to purchase products on their website to increase your credit score, a blatant act of conflict of interest. Experian 's act of lowering my credit score also stopped me from being able to purchase an auto. Experian has also not gone through with a dispute that I made about a company called XXXX on my credit report, a company I know nothing about. I had to try to dispute this company a second time. 
I am complaining about Experian holding me XXXX by controlling my credit score while at the same time trying to get me to purchase products to increase a credit score.
Consumer complaint received 2018-10-06
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. (TX)

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my
credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, XXXX, and Transunion to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, XXXX, and TransUnion can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
Product: Credit reporting 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)

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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Why am I losing points on my credit score for a collections removal? Please make this make sense to me that Im penalized via my credit score for having a collection removed that shouldnt have been there in the first place.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/XXXX and XX/XX/XXXX I was scammed {$220.00} and {$50.00}. I paid for services through XXXX  but upon further inspection I realized that it was not real. I cancelled the payment or tried to and contacted XXXX immediately. When they couldn't resolve it within a few days of me contacting them, the payment was posted on my Chime account. I called the company saying I was scammed and I did not authorized the payment. Three rebuttals later, they still believe there isn't sufficient evidence to prove my case. I provided chat conversations, XXXX  conversations, etc etc. None of which was good enough for them.