davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (LA)

On XXXX a card presented as my WISELY card was fraudulently used to withdraw all funds ( {$260.00} ) from my account at an ATM in XXXX XXXX CA .while my card is still in my possession and while I was working a XXXX hour shift at XXXX in XXXX CA XXXX I filed a complaint with WISELY card services but the outcome was that there was no fraud and my money was not refunded. My company continues to use wisely for deposits for my meals on a daily basis but now Im scared to use the card so its been locked. I would like to warn everyone wisely its NOT SAFE and they will not do an appropriate investigation. Wisely case number : XXXX.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (GA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: PayActiv, Inc. (FL)

On XX/XX/2022 I used my XXXX XXXX XXXX card to add {$50.00} to my Payactiv card. I then purchased gas on XXXX XXXX. Since then Payactiv will not let me add money to my Payactiv card. The button to add funds shows my XXXX card, but it is grayed out. I call them twice a week at XXXX, XXXX, XXXX, XXXX. They will not answer the phone and tell you to log into the app and use chat. I chat for a bit and then they stop chatting. I have had case XXXX with XXXX, XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Each time I'm told the case will be escaladed. Three times Payactiv has deleted my card and I have added it back three times and it still does not work. In email Payactiv wants my employer number, and my payroll number. I'm retired and have neither. I believe this company is discriminating against XXXX  and that is why nothing is being done to fix it. I feel if this was related to a payroll account, it would be fixed immediately. XXXX XXXX give you a XXXX cent discount if you use the Payactiv card. Being a XXXX  I need to take this discount, especially with the high cost of gas. I'm asking you to contact Payactiv and get this fixed so I can get the XXXX XXXX discount. Thank you.
Consumer complaint received 2022-06-18
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: MS SERVICES LLC (UT)

There were XXXX duplicate collection accounts placed on my credit report in XXXX 2022. The reporting agency used a different name to report duplicate collections that have the same account numbers and amounts. I feel like this is frivolous and fictitious and is damaging to my credit. Ive been denied a loan due to this. Ive disputed twice once in XX/XX/2022 and once in XXXX 2022. The items remain on my report. Ive contacted the reporting agency on XX/XX/2022 and have not resolved the issue. I would like these removed from my report and them held liable for their misconduct. The company is MS Services.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

XX/XX/2022, LexisNexis. Public records information is inaccurate. I understand that LexisNexis does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. As LexisNexis has stated in a document I attached. 

XXXX has given LexisNexis a erroneous match. The address that XXXX match with LexisNexis is inaccurate. 

I have never resided or lived at the address that LexisNexis was matched to by XXXX. Document attached. 

The address is NOT on my XXXX, XXXX, or XXXX credit reports. Therefore XXXX is clearly violating the Fair Credit Reporting Act.

As the law requires I am notifing L

exisNexis that the match is erroneous and inaccurate as the law states. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. Several people in the United states have the same name and last four digits reporting on a credit report but not the same address at same time. THE NAME, SOCIAL SECURITY, AND ADDRESS MUST MATCH. IF NOT THE INFORMATION IS INACCURATE. Please reinvestigate the bankruptcy match again. Thank you for your help in this matter.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

On XX/XX/2022 paid total amount due, {$200.00} On XX/XX/2022 company, Home Depot cashed my payment. 
Companies Closing Statement Date was XX/XX/2022. 
Home Depot kept my payment of {$200.00} and gave me store credit. AND ... ..... 
Turned me into collections, harming my credit score!!! 

I am aware of dates being close with transactions. BUT their billing cycle is 30 days and should have been picked up on XX/XX/2022. And a retaction should have been sent to XXXX, XXXX and XXXX. 

Want Home Depot to Retract Report Of Non Payment. So my credit score can be repaired by their False Accusation of non payment.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act Dept Of EducationXXXXXXXX  ( All Accounts ) 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
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2016-10-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

I purchased a car from XXXX XXXX in XXXX, PA. I was instructed by XXXX XXXX that the car was in perfect condition and needed a few small repairs. Upon purchasing the vehicle, I went back to the dealership several times from purchasing the car. Telling them that something was wrong with the car. Each time they instructed that nothing was wrong. Upon taking the car to my local car repair they found many things wrong with the car. The car is zip tided together. The car is unable to be driven because the zip tie has now broken.. XXXX XXXX Agreed several times to make the issue right and never did. If this car would have fallen apart on the highway someone would have been killed. This is very serious..
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX XXXXnquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported CITI CARDS CBNA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, Citi Cards CBNA, XXXX XXXX and XXXX XXXX XXXX  who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm.

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, we went to log into our Chase Bank accounts online, and we received an error message regarding " suspicious activity '' and were unable to access our accounts. The message stated that we needed to call the listed number for assistance. We did so immediately and were informed that Chase Bank had frozen our accounts and was " ending their relationship with us '' due to " suspicious activity ''. We were told our accounts would be closing within 10 business days ; with the understanding that we had these 10 business days, we waited a couple of days before going to our branch to withdraw our money so that a pension check we receive every month would be safely received and direct deposited. We went to our branch on XX/XX/XXXX to withdraw our money from 2 checking accounts and 1 savings account. We were denied. The branch manager and an assistant called a support department and were told there appeared to be a fraudulent payment made to one of the checking accounts. They would not disclose any other information nor the transaction details. We were also given a date of XX/XX/2022, as a date the review should have been completed and a cashier 's check would be mailed to us of the amounts in our accounts. It has now been more than 5 weeks that we have not been able to access any of those monies with no explanation. We have spent countless hours calling various departments, speaking with several bank officers who would pass us along to another officer only to be told by each one that they can not give us any information other than that " review is still being investigated '' and that they can not give us any kind of time frame as to when they will finish their review/investigation and if or when they will be releasing our money. In the first week of XXXX, we received a letter dated XX/XX/2022, from Chase Bank stating they were going to close our accounts because of either a recent transaction or that we did not provide requested information. Please note that at no time were we ever asked to provide any information this alleged fraudulent deposit. In fact, we were not given any notice at all that our accounts were in jeopardy until we went to log into our accounts online to find we had been locked out of them. 

Our life savings, pensions, IRAs, etc. are in these 3 accounts. We are asking for your assistance in this matter. 

We have been given a case number of XXXX. 

Our Chase Bank branch manager is XXXX XXXX. Her email is XXXX Sincerely, XXXX XXXX. & XXXX XXXX. XXXX
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported DISCOVER FINANCIAL SER Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, Discover Financial and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. 

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # 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
Consumer complaint received 2022-06-18
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. (AZ)

There's a chapter XXXX Bankruptcy showing on my credit file that was XXXX XX/XX/2017, the problem is I've never filed bankruptcy. From my understanding Creditors are required by law to only report accurate information to credit bureaus. This requirement protects consumers from having any inaccurate information on their reports that would unfairly harm their credit. The Fair Credit Reporting Act ( FCRA ) gives me the legal right to dispute inaccuracies and errors on my credit report. If I challenge an entry and the agency that reported the entry cant defend it, then theyre required to remove it. Well, I've disputed this bankruptcy multiple times with XXXX, XXXX and Equifax and all three have said they verified the information with XXXX XXXXXX/XX/XXXX. I sent a letter to the XXXX XXXX XXXX at XXXX XXXX XXXXXX/XX/XXXX explaining that I have a record from your court appearing on my credit report. Ive disputed the item with the credit bureaus XXXX, Equifax, and XXXX- all of which confirmed the record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. The clerk of court responded stating they have not verified any personal information and that it is against their policy to provide any information to the credit bureaus. At this point it is clear, the XXXXXX/XX/XXXX does not report to any credit bureaus therefore the original response from XXXX, XXXX and Equifax stating that they have verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2020-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am unable to get all reports XXXX  XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes KOHLS XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (SC)

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ EQUIFAX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/XXXX, XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # : # # # # # # # # XXXX [ XXXX XXXX = XXXX. XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX, XXXX # : XXXX XXXX. XXXX XXXX XXXX, XXXX # : XXXX XXXX. XXXX XXXX XXXX, XXXX # : XXXX XXXX. XX/XX/XXXX, XXXX # : 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. XX/XX/XXXX, XXXX # : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX