davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (PA)

On XXXX XXXX, XXXX, Harris & Harris texted me saying that I owe money for toll collection on the XXXX XXXX. On XXXX XXXX, XXXX, they texted me saying that I owe money for the same reason. On XXXX XXXX, XXXX, they texted me saying that I owe {$390.00}. On XXXX XXXX, they texted me saying that I owe {$390.00}. On XXXX XXXX, XXXX, they texted me saying that I owe {$390.00}. On XXXX XXXX, XXXX, they texted me saying that I owe {$390.00} and on XXXX XXXX, XXXX, they texted me saying that I owe {$480.00}. 

I went to their website on XX/XX/XXXX in an attempt to set up bi weekly payments of {$50.00} only to find out that they set up the payment arrangement but also attempted to debit the entire amount. I called and the representative fixed it and they debited {$50.00}. 

On XX/XX/XXXX, I went onto their site to try and set up payment arrangements again. I used the edit option to change the amount to {$50.00} bi-weekly ( XXXX and XXXX ) of every month only to see that they did the same thing again by setting up the payment arrangement and attempting to take the entire payment. They also didn't credit the {$50.00} they collected from me on XXXX. XXXX. XXXX. I am livid because I wanted to pay the debt but then realized that they never provided me any documentation for this debt as well as never explained why the amount went up almost {$100.00}.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

I was called on XX/XX/24 by a person impersonating a Chase XXXX. I was advised that my accounts had been compromised. He stated hat he needed to reset my user name and password, me not thinking, I gave the scammer my information. Once I realized it was a scammer I called Chase bank and stated please do not send those wire transfers. I was instructed by the banker on the phone to go to the nearest branch, so they can close the account and open new account. While sitting with banker inside of the branch she called to XXXX department and eplained the situation and staed Ms XXXX is sitting here, she did not approve those transactions, please do not send the wire. Chase Bank sent out the wire transfers and sent scammers {$10000.00} over my daily wire limit.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting inaccurate late payments to all 3 credit bureaus. They are stating the following inaccurate information, due to the FCRA this is a violation, please see below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm asking for these to be deleted.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TX)

I checked my telecheck report and was advised that I have 3 collections showing on there from XXXX for XXXX and 2 in XXXX for XXXX. I sent in a dispute with Telecheck and advised them that I do not write checks for anything and the transactions was fraud. Telecheck did their investigation and removed off the 1 for XXXX XXXX but the 2 for XXXX are still showing active. Since I have communicated with them they all of a sudden sent the collections account to a 3rd party recovery service TRS. From XXXX it has been with TeleCheck this whole time and when I communicate and dispute the accounts they want to send it to a collection company. The collection company TRS has now obtained the accounts and since added additional fees in regard to the 2 remaining accounts. I have submitted my complaint with TRS on their site along with sending in the Forgery/ Identity theft declaration form that they sent in my packet to advise me that they have obtained the accounts.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 2017-06-17
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: Experian Information Solutions Inc. (FL)

I work with two companies why is my credit score only going up XXXX point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.
Consumer complaint received 2017-06-17
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)

I am a client of XXXX XXXX, where are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My credit score has only gone up XXXX point with Trans Union. Can someone explain to me why I have two accounts XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (TX)

MY IDENTITY WAS STOLEN SO I PLACED A FRAUD ALERT ON MY FILE. NOW I AM UNABLE TO OBTAIN ANY CREDIT BECAUSE THE TELEPHONE LISTED ON MY FILE IS WRONG AND THE CREDITORS ARE NOT ABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED UNSUCCESSFULLY TO CORRECT THE WRONG TELEPHONE NUMBER.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

on XX/XX/XXXX, my score went down about XXXX point without any change in my financial status. I have n't applied for any new credit or loan, all credit card balances are lower then ever. nothing negative basically. I understand what effects my credit and I am always monitoring it. My credit suppose to go higher not go down XXXXpoints. I already disputed issue with XXXX and they were able to fix it.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (TX)

I checked my telecheck report and was advised that I have XXXX collections showing on there from XXXX for XXXX and XXXX in XXXX for XXXX. I sent in a dispute with Telecheck and advised them that I do not write checks for anything and the transactions was fraud. Telecheck did their investigation and removed off the XXXX for XXXX , but the XXXX for XXXX are still showing active. Since I have communicated with them they all of a sudden sent the collections account to a 3rd party recovery service TRS. From XXXX it has been with TeleCheck this whole time and when I communicate and dispute the accounts they want to send it to a collection company. The collection company TRS has now obtained the accounts and since added additional fees in regard to the XXXX remaining accounts. I have submitted my complaint with TRS on their site along with sending in the Forgery/ Identity theft declaration form that they sent in my packet to advise me that they have obtained the accounts.
Consumer complaint received 2024-04-12
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: U.S. BANCORP (TX)

Urgent Complaint : Inadequate Dispute Resolution Process for Fidelity Visa Signature Credit Card Holders I am writing to urgently bring to your attention the deeply flawed dispute resolution process provided by Fidelity Visa Signature Credit Card, which is causing significant distress and inconvenience to consumers like myself. I implore your immediate intervention to rectify this matter. 

As a consumer who places high value on efficient and accessible financial services, I am appalled by the hurdles encountered when attempting to dispute transactions through Fidelity 's platform. Instead of offering a streamlined digital solution, I was directed to telephone customer service via the company 's website and app. This antiquated approach poses insurmountable challenges, particularly when I am traveling overseas. The toll-free number 's inaccessibility from international locations, compounded by time zone differences, renders it nearly impossible to address suspicious charges promptly. 

Furthermore, upon initiating the dispute process via phone, I was astonished to learn that Fidelity Visa Signature Credit Card requires mailing a form to my U.S. address for completion at my own expense. Not only does this archaic method incur additional costs for consumers, but it also introduces unnecessary delays in resolving disputes. As an international customer, this process imposes further financial burdens and logistical challenges associated with international shipping. 

In an era where contactless transactions and digital communications have become the standard, Fidelity 's failure to provide alternative dispute resolution channels is unacceptable. It is imperative that clients have the ability to forward merchant emails, attach screenshots, and submit documentation electronically through a designated website, app, or email address for dispute resolution purposes. 

I urge your agency to conduct a thorough investigation into Fidelity Visa Signature Credit Card 's dispute resolution practices and compel the company to adopt modern and accessible mechanisms that align with the expectations of consumers in today 's digital age. It is evident that Fidelity 's current approach deliberately obstructs clients ' access to financial services, potentially leading to financial harm and exploitation.

Thank you for your prompt attention to this urgent matter. I trust in your agency 's commitment to ensuring fair and effective dispute resolution practices for all Fidelity Visa Signature Credit Card holders. 

Sincerely, XXXX XXXX. It is crucial to recognize that Fidelity Visa Signature 's choice of dispute resolution method appears intentional, aimed at delaying and denying financial services to their clients. Such behavior must not go unchecked.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'm a victim of identity theft and someone else took my information and opened up accounts in my name right now there 's something on my report from a company name XXXX that I do n't even know about and this is crazy, it 's really XXXX me.
Consumer complaint received 2015-07-24
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (LA)

I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
Consumer complaint received 2024-03-11
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I had 3 charges that are unauthorized taken out of my acct. They totaled XXXX. XXXX explained they would send me a new card and the form to fill out which was supposed to arrive in 5 days. Stated had 10 days from day I called to respond and receive provincial credit. Called on XX/XX/2024. I finally got form in mail on XX/XX/2024. Past the date to get my provincial credit. 
I tried many times to call and get left on hold for over an hour at times or get hung up on. I am fed up! I am on XXXX and XXXX. I need this money and can't wait 90 days. This is so unfair! The government using this company is shameful!
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

I have been violated repeatedly and ignored by Kia Finance America/Kia Motors , and they refuse to send requested documentation. I have requests Debt Validation and Debt Verification and they refuse to comply by sending my requested documentation. I have sent other requests as well such as Right of Rescission, Billing Error Notice, 2 notarized Affidavits of Truth, Notice of Default and Opportunity to Cure, Debt Validation not verification. 

They continue to violate my federally protected consumer rights.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2016 I 've noticed a hard inquiry from XXXX XXXX XXXX XXXX XXXX ) reported by TransUnion. I have n't applied for credit cards over the last three months. I 've tried to call TransUnion but there 's no way to speak with service representatives.
Consumer complaint received 2016-12-26
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TOWNE MORTGAGE COMPANY (TX)

Towne Mortgage is a company that purchased a home sometime this year from XXXX, a company that held a mortgage on which I filed chapter XXXX bankruptcy and had discharged in XXXX 2014. Towne Mortgage has fraudulently reported on my credit report that I have an account with them that was included in bankruptcy, so that it seems I have XXXX mortgage accounts that have been included in bankruptcy. I have never held an account with them and because the loan was discharged, I was legally no longer obligated to this home or loan. Since they have recently purchased this home, it has began to appear on my credit reports in the last 2 months and has negatively affected my credit score. I have provided proof to the company that this account is also showing with a balance owed on my XXXX report and is being reported twice by Towne Mortgage on my XXXX report. I have been back and forth with Towne Mortgage for the last 3 months over the inaccurate reporting and the negative impact it has had on my score and subsequent ability to gain credit. They have yet to resolve the issue. As I have explained to them, as well as my bankruptcy attorney, once the debt was discharged, they do not have the right to report anything on my credit report regarding the debt, since they were not the holders of such when it was discharged and the loan was not reaffirmed after my bankruptcy. XXXX XXXX has correctly reported the debt, and it reports on all XXXX as included in BKP, as it should. XXXX Mortgage has never been a holder of any debt that I am responsible for, therefore should not be reporting anything on my credit report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Privacy and confidentiality under 15USC 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 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, other than records of convictions of crimes which antedates the report by more than 7 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER XXXX5 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.