davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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 (TX)

Around XXXX I saw a lot of pre approvals on Credit Karma . I didnt pay attention at first but Credit Karma kept notifying me of all sorts of pre approvals telling me I was 100 % pre-approved for credit cards, personal loans, and refinancing my vehicle. Everyday I would be notified of these offers every-time I logged in to check my credit score. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. Credit Karma sent me so many offers I started telling my entire family about investments and vacations we could use the pre-approvals for. So I applied around sometime in XXXX or XXXX and I got denied for 2 credit cards, a car refinance and a personal loan. I was very disappointed and deceived since I was marketed to for months and months of Credit Karma telling me I was 100 % pre-approved. This was a lie! I was severally stressed out and XXXX for weeks. My XXXX  went from XXXX to XXXX. Now every time I see pre-approvals I immediately shut my computer and cell phone off. This has caused me to be so uneasy and XXXX  that I no longer check my credit as frequently as I used to and should. Credit Karma has caused me severe trust issues for deeply deceiving me.
Consumer complaint received 2022-08-31
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: Nelnet, Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and DELETE from erroneous reporting in my file are listed on my credit report : DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX-Late/Closed-XXXX  DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my name.Synchrony Bank Carecredit is the bank and the Plantiff is noted as XXXX XXXX XXXX XXXX. 
On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police XXXX XXXX I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact Synchrony Bank carecredit with no success due to it being outside of their business hours.
Consumer complaint received 2022-08-31
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood is not responding to me after {$1200.00} was stolen from my account through stolen debit card information. 

The money was taken out as 6 separate cash-back transactions at a grocery store. As soon as it happened I canceled the card and reported the issue to Robinhood. They emailed me back saying that I w
ould he

ar b ack in 1-3 days, but its now been 6 with no response. I've followed up each day this week ( monday, tue
sday, wednesday ), but no response.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE CORPORATION (SC)

I was at the grocery store and my card declined then I called the bank and they said that my account was negative XXXX but I've never receive the alert to let me know that I'm going over my limit that I had sign up for. I then call the customer service rep the next following day and she told me that you should have kept track of your account by going online .And then I said unto her that I am a single mother of XXXX  and I work everyday and Im in XXXX for my XXXX  and that's why I have chose to set up the alert system to let me know when I get to a certain amount on my account and the bank system fail to let me know when my account reach that limit. 



Please disregard any typo as this information was dictated
Consumer complaint received 2022-11-05
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. (MD)

On XX/XX/2002, a group of 4 of us had a light lunch at a neighborhood diner in XXXX XXXX. We paid with my Chase sapphire reserve credit card for XXXX euro and change for the meal. When we came back to US in XXXX, I found out that there was an additional {$500.00} Euro charge to the card by the same business at exactly the same time the meal cost was charged. 

I called Chase to report the fraud in XXXX. According the specialist in Chase, this issue is classified as dispute, not fraud in Chase ' definition, because my card was actually at the hand of the people who charged the XXXX Euro at the time that happened, it's just that I did not receive the actual service. They also mailed me a so-called receipt from the party who made the XXXX Euro charge, which as a fake signature that has no any resemblance to my name. 

I repeatedly argued with them that I have no clue the charge, let alone any so-called services related to the charge. But Chase for 3 times declared that they found there was no error for the charge and the transaction was valid. 

And because it's not a fraud in Chase ' term, I could not even talk about fraud protection.
Consumer complaint received 2022-08-31
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: JPMORGAN CHASE & CO. (NY)

They run my credit without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB AUTO FINANCE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
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)

XXXX, XXXX, Equifax and their nonaffiliated 3rd parties are in direct violation of the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX! They are violating my federally right to Privacy and sharing my nonpublic personal information without my consent which is damaging my character and ruining my reputation. SEE ATTACHMENTS
Consumer complaint received 2022-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

This a non existing company that report one month collection to the credit agencies is a fake company never ever had any debt, credit card, loan or any type of business with this company ENHANCED RECOVERY CO L Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX his 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 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  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 n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us 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 XXXXThis was a fist step towards attempting resolution.next step is to take XXXX  to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.
Consumer complaint received 2022-10-21
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. (CA)

I sent a letter on XX/XX/XXXX, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX RIVER XXXX XXXX XXXX XXXX XXXX, TX XXXX ;
Consumer complaint received 2022-08-30
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. (PR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights 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
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included an active account with XXXX  which was a consumer loan for home improvemen ( bath fitter ). I completed the program in XX/XX/2022 and paid all of my creditors in full including XXXX This account was negotiated and settled for a lesser amount than owed. All three credit reporting companies continue to report incorrect info including that the active status of the account is still charged off. On all three reports, the account continues to report as XXXX charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full directly which I have confirmed with XXXX XXXX XXXX. Not only are they reporting an incorrect status, there are several errors and inconsistencies among all three reports. I am filing a complaint so that I can find resolve and understand as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered a debt relief program to begin with.
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

XXXX is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. 
The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. 
Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX XXXX XXXX XXXX, MN XXXX cc : U.S. Department of Justice 950 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by XXXX Bank XXXX XXXX all US Bank XXXX XXXX to XXXX XXXX, is an account number that is also unknown to XXXX XXXX. This account number was referenced for correspondence sent to XXXX XXXX XXXX XX/XX/XXXX asxa Notice f rom US Bank National stating there was a Notice, Transfer, Sale, Assignment of Mortgage for this account number on XX/XX/XXXX by US Bank National . 

Assignment of Mortgage The Basics When your original lender transfers your mortgage account and their interests in it to a new lender, thats called an assignment of mortgage. To do this, your lender must use an assignment of mortgage document. This document ensures the loan is legally transferred to the new owner. Its common for mortgage lenders to sell the mortgages to other lenders. Most lenders assign the mortgages they originate to other lenders or mortgage buyers. 

Who is the original lender for account number When was this account sold to US Bank National? 
Who sold the account on XX/XX/XXXX. 
Who was the purchaser of this account on XX/XX/XXXX ( see attached Notice of Assignment of Mortgage ). 

XXXX XXXX looks forward to your response within 20 days from the date of this letter. 

UNLESS the specific documentation requested is provided to XXXX XXXX, any and all further written correspondence sent by USPS, by an attorney, or by any other party/entity regarding XXXX AND this account number and/or mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 

Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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. (TN)

On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX XXXXXXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.
Consumer complaint received 2022-08-25
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. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, collection Agencies 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 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Citibank dispute department supervisor was very rude disrespectful and uncompromising. I explain to her that Ive been waiting patiently into diligently for them to conclude my investigation due to some fraudulent charges that transpired on my account. The following charges took place with the first XXXX Taken XXXX  XXXX XXXX at XXXX for {$130.00} And the second one is XX/XX/2022 for {$240.00}. 
When I told the supervisor that I feel like they are prolonging their investigation and not taking care of it efficiently, and that I was going to be making a complaint with you all she blatantly told me that she didnt care I can tell who I want to tell and discontinue the call. I found this to be so unprofessional on her behalf and theres no way I should have to undergo this type of treatment when I am the customer and I put my trust in them to handle my finances in the most efficient way, but safe and secure. Clearly none of what I expected from this financial institution have came to pass. I demand a remedy take place in all of this come to pass rather sooner than later, because I am in the situation where I am facing XXXX, due to me, being a victim of identity theft.
Consumer complaint received 2022-11-05
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: GOLDMAN SACHS BANK USA (NV)

I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please Apple Card - Gs Bank Usa Apple Card XXXX Gs Bank Usa ( Revolving ) Accounts - Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

My Apple Card account serviced by Goldman Sachs refuses to update and report my account balance accurately to the three credit bureaus, XXXX, XXXX and XXXX. I have paid my balance in full on all of my credit accounts because I am trying to purchase my first home. I have contacted Goldman Sachs numerous times to ask them to report my XXXX  balance in order to raise my credit score. They last reported my balance information to the bureaus in XX/XX/2022. At that time my balance was {$4000.00}. On XX/XX/2022 I paid my balance entirely leaving a balance of {$0.00} which they did not report in XXXX. As of XX/XX/2022, my balance is {$0.00}. On the 3 occasions I have contacted them they have given me the runaround and provided conflicting and confusing information. I want them to act in good faith with their customers as I have acted in good faith and adhered to the terms of my credit card agreement as a customer in good standing who has always paid my bills on time with them during the three years I have been a cardholder. I have informed them their inaccurate and untimely reporting has negatively impacted my ability to purchase my first home and obtain the best possible loan terms.