davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have sent multiple letters asking for validation and the method of how they validated the fraudulent and questionable item on my credit report and have not received back anything in over 45 days for the account that is clearly inaccurate and fraudulent. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

The account in question and its account numbers : XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # 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 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 2019-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NC)

Contacted Citi Bank regarding my Home Depot credit card on XX/XX/19. I could not access my online account and several failed attempts to reset the password, I called their customer service department. I was transferred to tech support, who determined the reason I couldn't reset my password was due to a missing telephone number on the account. He stated that it would be a simple matter for customer service to handle and transferred me to another person. The lady I spoke with continued to state she could not validate my identify, despite the fact I provided her with 1 ) last 4 of my ss #, 2. full name, 3. full mailing address, 4. Home Depot credit card number. She then asked me for my Primary Check Account number which I refused to give her. The call was escalated through 2 more people and my last conversation was with XXXX in the " executive response '' dept. She was able to add my phone number as I originally requested and she confirmed that an agent requesting my checking account information was not a valid type of identity verification at their organization. Twice, XXXX told me she believed the agent I spoke with misunderstood that I wanted to make a payment through her and that's why she asked for that information. That is ABSOLUTELY not the case. Clearly this representative ( who was very combative and unhelpful ) was trying to take information from me to do personal damage, which might have also included identify theft.
Consumer complaint received 2019-02-20
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. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
Thank you.
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (TX)

I leased a XXXX XXXX XXXX in the fall of XXXX in XXXX TX. XXXX dealership financed the deal through Chase. When I leased the car, I signed an Affidavit ( form XXXX ) stating that I would not use it for business purposes and the dealership later confirmed that they submitted the affidavit on time to the bank. In XXXX County, Texas, citizens who lease vehicles and sign Affidavits are not subject to property taxes this is confirmed by both XXXX County Tax Office and XXXX County Appraisal District ( XXXX ). 

In XXXX, I received a letter from Chase stating that I owe property tax for the year of XXXX in the amount of USD XXXX on a leased vehicle that Chase has already paid to XXXX through the XXXX County Tax Office ( XXXX XXXX ). I contacted Chase, explained that they had a signed Affidavit in place, and Chase bank admitted that they paid taxes in error and that they would request a refund and that I did not need to worry about anything. I thought the matter was settled at that time as I received a letter in XXXX stating that Chase " refunded the amount back to my account. '' In XX/XX/XXXX, I received another letter from Chase stating that I owe property tax for the same car for the year of XXXX in the amount of USD XXXX. Note that I did NOT have the car in XXXX, I traded it in for another XXXX in XX/XX/XXXX. Not to mention that even if I did have the car, the fact that there was an Affidavit on file should have placed me in a TAX-EXEMPT CATEGORY. 

On XX/XX/XXXX I called XXXX and asked them to look up the VIN # s to see what is being reported to them. As it turns out, Chase has consistently reported my cars ( previous one and current one ) as TAXABLE instead of EXEMPT even though they had valid signed Affidavits on file. They reported WRONG information to the XXXX, which resulted in tax bills, payments by Chase, then letters to me with payment demands and threats to report me to the credit agencies. 

Chase Customer Service continues to claim that I AM REQUIRED to PAY the amount they paid to the Tax Office. And that I will be reimbursed once Chase files a correction and receives their money back. Why am I being asked to pay for anything in this case? I am tax exempt! XXXX office states it can take months for them to process a correction and issue a refund. Furthermore, Chase customer service says that if I dont pay they will report me to the credit agencies BECAUSE THAT IS THEIR INTERNAL PROCEDURE. 

Furthermore, on XX/XX/XXXX Chase bank applied an authorized charge of USD XXXX to my account claiming that I owe a XXXX property tax for yet another vehicle XXXX XXXX XXXX which I currently drive. This is the exact same situation as we are having with the XXXX vehicle - I was reported as taxable instead of exempt - hence we are dealing with the same problem but different vehicle. 

I contacted Chase repeatedly, as well as sent a letter to their main office in XXXX Ohio. Waiting patiently for the resolution.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

I sent : XXXX XXXX XXXX XXXX XXXX XXXX PRESIDENT OF MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 3 letters to verify debt they claim I owe and have not received any reply. 

I have never received any documented information in reference to this debt. 

Now i look at my credit to see why it dropped and i see this report saying I owe {$4100.00} to them.
Consumer complaint received 2019-01-15
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: First Federal Credit Control, Inc. (OH)

I have now disputed this 2 prior times and I received a response that this is my collection debt. This is NOT MY DEBT and i have asked and asked numerous times to send verification if they believe this is mine. I show ID and for every medical appointment I go to.This is not my collection and I am in the process of getting a Mortgage and this is holding me loan up. Please remove this from my credit file as this is not MINE. 

First Federal Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-23
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. (OH)

I have now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was XXXX
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (CA)

We took out a home improvement loan for the installation of new windows. The installation of the windows were not done properly and damaged. I was contacted by the XXXX XXXX after the installation was done, asking if I was satisficed with the installation, which we weren't. I contacted them via their website customer service link and said so and, do not fund the loan. I was waiting for the window company to respond to my complaint. I than called them, because I did not receive a response from them and talked to a service rep who took down my information and said a complaint would be generated and I would hear back within a week. I didn't. I called yesterday XX/XX/21, to follow up on the case and was told the loan had been funded. I ask why they would fund the loan when I was not satisfied with the installation and damaged window. The response was basically, there was no one from the appropriate department to help me and to call back on Monday. 
I advised the rep that I will not be paying the loan until the damage window was replaced and why would you fund a loan when there was a dispute. Again, that was not her department and to call back Monday. 
To me, this is a direct attack on my credit and a violation of the terms and conditions of the loan.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (SC)

Ive applied for credit card to build my credit my credit score was in the low 400 well since I got approved for the credit card my credit score with Equifax went to XXXX ok I applied for a loan with XXXX XXXX for a XXXX  in the amount of {$890.00} they denied me because my credit score is coming up in the low 400 and my score isnt right if they saw that I wan na no why Equifax sent them that score when I have disclosures where my new credit score as ofXX/XX/19 is XXXX  I  would like this matter taking care of cause my loan for a XXXX by XXXX  wasnt approved because of a low credit score was sent back to them had the new credit score been sent I would have been approved could u pls get this matter taken care of its weong to give a loan company that files for your credit score a false credit score and get denied for the wrong credit credentials thanks
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NE)

There are two accounts on my Equifax report which are aged at 7 years and 5 months. Equifax claimed they deleted the accounts for being 7 years back in XX/XX/XXXX according to my XXXX XXXX print out, but the accounts still remain. I reminded Equifax two different times that they promised deletion yet the accounts still remain. These two accounts were closed and eventually sold to a collection agency, this makes for four accounts showing on my report for two loans ( 2 were closed and 2 were their collections ). The original accounts were deleted from Equifax, but the two collection agency accounts are still there. XXXX  deleted all accounts affiliated in XX/XX/2018. And XXXX  deleted all accounts affiliated in XX/XX/2018. My records show deletion of all accounts to be legal as of XX/XX/2018. So Equifax is keeping these two collection accounts on my report without myself, XXXX  or XXXX  agreeing with their records. I asked them to send their unique records to me showing that the accounts are under 7 years, but they ignored me.
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harley Davidson Financial Services Inc (SC)

In XX/XX/XXXX, an 84-month loan was opened in my name through XXXX XXXX XXXX. I have disputed this item several times by sending certified disputes as per the FCRA and FDCPA guidelines for disputes. The first letter sent XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX both through XXXX signature required. Both time they failed to meet the response requirements set by both the FCRA and the FDCPA.
Consumer complaint received 2019-01-24
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. (TX)

I am writing to dispute a fraudulent charge on my account of {$140000.00}, {$210000.00}, {$27000.00}, {$7000.00}, {$15000.00}, {$20000.00}, {$2000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140000.00} -This is not my account. 
2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with  a credit limit of {$210000.00} -This is not my account. 
3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 
4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 
6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 
7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 
8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 
COLLECTON ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7300.00} -This is not my account.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

Every year I review my credit reports from " The Big 3 ''. No problem with XXXX. No problem with XXXX. Once again, Experian is being a nightmare. For the past 10 years Experian has made me send, then resend the same information. XXXX  identified me by phone- no issues at all good for them. XXXX  did it by writing- no issues, and they accepted my drivers license, my bills, my Veterans Identification card, and my Government XXXX XXXX card. In other words I wanted to PREVENT exactly what's happened. Once again- I get my yearly " Sorry, please re-submit the information requested '' that I already sent them. Worse- I returned it to the address given ( Tracking number XXXX ) to their XXXX , GA location zip code XXXX and they LOST THE DATA THEY REQUESTED! 

I am NOT willing to send that information out again- not after they've lost it once!
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (NJ)

On XX/XX/2019 two charges one for XXXX and one for XXXX were charged to my card from card.com as soon as I seen the charges I called and asked for a stop payment on both I was told they could not do this and I filed a dispute of charges and was told they would mail a dispute form to my house which never came. On XX/XX/2019 I called card. Com to check on the status of the dispute the customer service person I talked to was unhelpful and would not listen to what i was saying about them not mailing my dispute form in which I was told I probably would never get my money back. This is the 3rd time there have been fraudulent charges made on my card with this company. I am only asking for the money which was taken off my card illegally without my permission to be returned and they are refusing to do that or talk to a supervisor so that I can resolve the matter.
Consumer complaint received 2019-01-24
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. (MI)

I have sent 3 letters to Transunion and XXXX requesting that they properly verify and conduct a reasonable investigation of a collection account on my report. They have stated that it was verified, but I have not received anything that proves the account is mine or that it is complete and accurate. I also requested validation from the collection agency ( XXXX XXXX ), they  failed to properly validate the debt. 
I sent the same request to XXXX and they removed it because they could not properly verify the debt. I am requesting that the information be removed per the Fair Credit Reporting Act. If this is not removed I will pursue litigation.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OR)

On XX/XX/XXXX I filed a dispute with direct express for over 100 multiple charges that were made through an online server called XXXX XXXX  on my XXXX XXXX debit card. I sent in documentation that show that I was hospitalized during the extent of these transactions and sent a truth affidavit along with records of my XXXX XXXX  that show it wasnt on my account. I did not receive responses until weeks later after filing a complaint with the XXXX XXXX XXXX. After following up with the supervisor they denied my dispute with out reasoning. When I requested documented proof and reasoning of why my dispute was denied I was hung up on. I called back multiple times and was told that my dispute was denied because I did not report another transaction that had occurred within the same time limit through the same server. Clearly I must not have seen this transaction for a dollar if its even there. I still have not received anything through mail and my emails are going un answered. This is my sons XXXX benefits and they are stealing from Him just like whoever stole from him too. I just need to know if I need a lawyer.
Consumer complaint received 2023-07-22
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: SYNCHRONY FINANCIAL (TN)

Hello. My account has been closed 9 years ago with TJ MAXX. I do NOT owe them XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite my multiple attempts to contact them and fix the problem, I called the credit bureaus, XXXX  and yet this company wont REMOVE my account off their file. They are using it for whatever purpose they deem to use it. By law, they must remove my account long ago but I received a letter after filing a complaint with XXXX  that they do not report my account to any credit bureaus. That was NOT the solution I wanted. I even told their senior Client Affairs Specialist XXXX XXXX that my account must be removed, taken off their system completely but on tne phone he clearly told me that they have no intention of deleting my information off their system. He told me not to worry because they wont be reporting to credit bureaus but told me the company intended to keep my file, my personal information in their system. I was upset but he just hang up on me. 


Please help. I am helpless at this point. It feels like he is violating my rights and was blatant in disrespecting me my telling it into my fave that I cant do anything about it and that he can do whatever he wants with my information and I cant do anything about it Thank you
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from Great Lakes to Nelnet. Ive tried contacting Nelnet with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have XXXX faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks
Consumer complaint received 2023-07-22
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. (NV)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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