davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

To whom it may concern. 

On XX/XX/XXXX I filed a dispute due to an unexpected decrease in my credit report. 
After investigation, I found 3 fraudulent accounts opened under my name XXXX XXXX XXXX opened on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022 ). All of them in utilities companies. 

I own a property with my wife from XX/XX/2022, where the utilities are covered by the condominium company, so there is no reason to open accounts in any other spot. 

I try to have an exemplary control of my finances and in the last 6 years I havent had any late payment. I created an account in identity theft trying to support the evidences. 
This is the second time in one year that I have to place a dispute for utilities and there is not reason for credit bureaus to avoid my dispute since is a clear fraud under my name. 

Please help me out in this process as this situation is frustrating my time and patience. 

Im open to demonstrate this fraud and support to solve it. 

Thank you in advance.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (PA)

I had accidentally submitted a payment to my CHASE VISA Credit card for {$15000.00} instead of {$1500.00} from my XXXX Checking Account XXXX alerted to me my mistake and that my account would be overdrawn, but I cancelled the payment, However CHASE had posted the payment anyway. I had alerted CHASE and XXXX of the issue and they both assured me that everything would be sorted out. 
XXXX had confirmed that the payment never left the bank. 
CHASE ended up charging us for the {$15000.00} adding to our balance, overdrawing our credit limit They have admitted that the mistake was on their part, but is telling us that it must go on a review board which will take 30 days to resolve.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

On XXXX, I received a letter dated XXXX, stating on XXXX that I applied for a credit card through PayPal that I did not apply for. The card was denied due to inability to verify my identity. It took 2 hours to reach customer service representatives in order to address the issue and have my information flagged so that it could not be used in the future. The letter I received was from Synchrony Bank XXXX. XXXX XXXX, XXXX FL XXXX. There is no information to contact them to dispute the concerns, so I had to search for it online. I was never notified by PayPal or Synchrony that someone had tried to apply with only some information, so the fee for identity theft notification was wasted. I called and they could not provide me with the information the person gave unless I mailed out for it in writing, which I will be doing to press formal charges against the individual. The representative said they were handling the situation, flagged my information, and have requested the removal of the inquiry from my credit report, but said it could take up to 30 to 60 days for notification. I have closed out my PayPal account.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CITIBANK, N.A. (DE)

I was marked 30 days late in the month of XX/XX/2018. I have asked Citibank to look into this matter 5 times in the last 4 years and each time i have been told that the dispute has been closed. My account is listed as " in dispute '' When the account is listed as this fashion it means that they are looking int it. They have a maximum of 30 days to do so by my interpretation of the fair credit reporting act. What i want is simple. I want this late payment permanantely removed from all current and future credit reports
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (OH)

Equifax Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX XXXX XXXX {$3500.00} XXXXXXXX XXXX XXXX  : {$2100.00} XXXXXXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXXXXXX XXXX XXXX : {$460.00}
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (LA)

Due to credit Karma 's False Preapproved deceit I hard excessive hard inquiries and inaccurate information reporting. A few i dont remember. These accounts are not consistent on 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 XXXX XXXX XXXX I can't see my XXXX yet to dispute
Consumer complaint received 2022-12-21
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. (TX)

This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Consumer complaint received 2020-08-18
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: Colony Brands, Inc. (GA)

I have attempted to resolve this matter from since XX/XX/2020. Colony Brand XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both XXXX  and Colony Brands on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by XXXX, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at Colony Brands that they will be communicating with XXXX  about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. XXXX is willfully closing my disputes and ignoring any written legal documentation.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Possible Financial Inc (TX)

I applied for a small installment payday loan on the Possible finance app on my phone Friday afternoon of XX/XX/22 and was approved for {$75.00} dollars. The app said the money would be deposited directly into my checking account XX/XX/22 before XXXX. The day came and went and no deposit arrived. I contacted Possible finance through the help center on their app stating I had received no deposits and sent screenshots of my bank statement and the actual message from Possible Finance about the deposit date information. I was advised via email to wait another day I was already extremely suspect but what option did I have? I wait another day, still no deposit, I reached out through the help center of the app for about the fourth time and was told to wait another day I sent more screenshots and asked the loan to be canceled as I did not wan to to pay this shady company for money I didnt receive. I got no response after that. My first installment is due XX/XX/22 but I never received these funds. I believe this Possible Finance is acting unethically and preying on desperate people for small loans with large interest rates that never get deposited.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AppFolio, Inc. (CO)

Hello Consumer Financial Protection Bureau, Could you contact Appfolio Consumer Relations Agency to conduct a thorough investigation of my Appfolio consumer relations account to determine whether or not Appfolio Consumer Relations Customer Support Representative ( XXXX ) is an employee at Appfolio Consumer Relations Agency? CFPB, why did XXXX state in her email You also have the right to request that we send notification that your report has been modified to any person who within six months prior to the date of this letter received a consumer report about you from AppFolio that contained the disputed information. CFPB, I replied to XXXX email and asked he/she to contact XXXX XXXX XXXXXXXX and provide XXXX XXXX XXXXXXXX with an updated copy of my Appfolio Consumer Relations Report. CFPB, XXXX replied to my email and stated, he/she couldnt send a updated copy of my Appfolio Consumer Relations Report to XXXX XXXX XXXXXXXX after explaining to me he/she could send a updated copy of Appfolio report to any person I asked the agency to send the report to. CFPB, I have attached screenshot images of my supporting documentations to support my complaint against Appfolio Consumer Relations Agency.Also, CFPB I couldnt recover my email to Appfolio Consumer Relations Customer Support Representative ( XXXX  ) who assisted me with my complaint. CFPB, I could only recover XXXX reply emails.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (OR)

I had recently opened an account with chime bank and then opened a credit builder account money was taken from my checking account and put into that credit builder account but was not spent and nobody will show me where that money went and will not send me a statement showing where the money is in the credit builder one person said they were going to mail me a check for the remainder that was in my credit builder account and another person said I had no money in there I cant get a direct answer from anybody nor can I get any kind of statement showing where my money went this started on XX/XX/2022 2022
Consumer complaint received 2022-10-22
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. (CA)

Hello my name is XXXX XXXX XXXX, I have contacted all credit bureaus and have received absolutely no response for 90 days and i'm fed up and in very bad health because of the stress of this situation has caused a severe XXXX XXXX increase dealing with this dead end of no responses. 

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 # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX bank # XXXX, Account name : XXXX XXXXXXXX bank # XXXX, Account name : Credit XXXX XXXX # XXXX, has violated my rights as an XXXX XXXX XXXX  ( ADA ) and as a consumer and American veteran, none of the credit bureaus have responded to my inquiries to investigate these accounts and its been over 90 days and no response from any of them this is a violation of 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. 

I asked all 3 bureuas for a copy of a complete investigation of all these accounts and have received no response in 90 days they are breaking the law.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (DE)

I received alert from credit bureau about collection item that damaged my credit. The item was previously paid and settled with a prior collection agency XXXX XXXX and was removed XX/XX/22 from credit bureaus. On XX/XX/22 alert of collect item from credit bureaus for same debt again which damaged my credit but this time from a different collection agency I. C System. I attempted to contact collection agency And spoke to a representative that refused to assist me. I explained that this was originally settled and paid with XXXX XXXX And asked why they were trying to collect the same that again. I am putting this complaintd in because it has damage my credit and this company is trying to double dip after another collection agency and refused to remove from my credit. I have also disputed multiple times and still havent gotten anywhere.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (FL)

I have a Robinhood account since XXXX  I added funds to my account several times with different bank accounts to use for trading and never got an opportunity to withdrew my funds from Robinhood. For the past three months I have been trying to close my account and withdraw the balance of XXXX from my account. Robinhood placed a restriction on my account and will not allow me to closed or withdraw my funds. Robinhood asked for verification of myself which consist of my social security card, my id and bank statement along with a selfie of myself. I sent all these personal documents to Robinhood. But the company still refuses to closed my account and release my funds. The brokerage claimed that the name on my bank statement does not match my account, the account that the transfer was made from is the same account they need to resend the funds. I explained to their representative whose name is XXXX that the bank accounts that they are asking for are no longer active with the exception of my XXXXl XXXX XXXX account. She asked for a bank statement for the last 60 days. I gave them a pdf copy. Stil, Robinhood continue to hold my account hostage. I explained that I do not have any access tomy closed accounts that was removed from Robinhood. 
Even after all this, I am still not able to get the account closed or to cash out my remaining funds. Since I did stocks with Robinhood. I have yet to cash out any funds made from stocks. XXXX profited from my deposit more than I ever gain. 

Please help me to get this brokerage to close my account. I am frustrated and are very Ill. I explained to the representative that I am not well and are currently trying to a void the stress this company is causing me. It shouldnt matter what bank account I used to transfer the funds, as long as the cash are validated and approved from my bank account. 

Thank tou
Consumer complaint received 2022-08-02
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. (TX)

Equifax keeps changing my address to a XXXX store mailbox. I have disputed this multiple times ; they change it then put it right back. This just happened yesterday. There are several items on my report that I dispute, and they ignore, I never receive validation or any reason why. I'm really tired of chasing this down always
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX  ACCNT # XXXX Bal : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (DC)

I made a {$20.00} donation using a credit card and PayPal gave no notice that this would be charged as anything other than a regular credit card transaction. Instead, they processed it as a cash advance, resulting in a {$10.00} charge from my bank, XXXX XXXX.
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I have requested a refund from Nelnet under the " Cares Act '' over a month and a half ago. I have had to call Nelnet daily to get information and updates about my refund being processed and mailed to me with a check. Each time I talk to a representatives I get different answers and when I state that another representative gave me different information, they say that they were wrong and the new rep is right. I need solid answers as this is important to me. I dont need the run around. I need to know when my check is going to arrive at my address.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have unauthorized inquiries on my credit report and XXXX XXXX, XXXX and equifax want delete them. They are 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 and XXXX, XXXX XXXX , us sm Bus XXXX and XXXX XXXX XXXX .