davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (CA)

I applied for a personal loan through SoFXXXX on XX/XX/XXXX. I was denied despite having a high credit score and providing income documentation. I called SoFi and the customer service representativesaid to submit additionaldocumentation. She said my credit wouldn't be checked again. 

I submitted additionaldocumentation. 

SoFi then checked my credit again on XX/XX/XXXX resulting in another hard inquiry on my credit report. 

I called the company to complain in XX/XX/XXXX and SoFi said it would remove the second inquiry. As of XX/XX/XXXX, SoFi has not removed the second hard inquiry.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have good credit scores. I recently applied for a home mortgage loan with several mortgage companies. I have a good job. I should be approved for a credit card application. My application ID is XXXX. Capital One N.A. is located in XXXX XXXX XXXX, UT XXXX.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I opened up my Apple Card by Goldman Sachs in XXXX of XXXX. I maintained an exceptional payment history never missing a payment. This is during the XXXX coronavirus COVID pandemic. Around XXXX of XXXX my business started to Suffer and I struggled with payments. In XX/XX/XXXX I paid down the complete balance of my Apple Card by Goldman Sachs to zero balance. 
I was then told by Apple Card GS that my account was closed. Saddened by this I was informed to reapply. Relieved that at least I paid off the card with XXXX balance I went about building my business. Since the card is closed I no longer received notifications, alerts or had access to login On XX/XX/XXXX I get an alert from credit bureau saying I'm pass due on my Apple Card by Goldman Sachs. And that my credit score has dropped by XXXX points. This is especially disheartening because I'm in process of purchasing my first home. I call Apple Card Goldman Sachs and was informed yes you paid your balance to zero and and account was closed so there was no way to inform me of a {$100.00} interest payment. If there was an interest payment of {$100.00} why not alert me since I am no longer a customer of Apple Card Goldman Sachs? I was told there was no attempt to alert me instead they just reported incorrectly to credit bureaus. They agreed this was in error but now I will lose my home because of Apple Card Goldman Sachs rush to report to credit agencies instead of calling or trying to resolve. I feel this is negligent practicing. Americans credit is very valuable and in this current climate of COVID it's hard enough to keep our families feed and business open. I feel an error like this could really ruin a lot of things for a customer that maybe already struggling to stay afloat. I was told that APPLE CARD GOLDMAN SACHS would escalate this matter but time is not my friend since I am in process of buying a house. I need them to fix this error asap and consider a different approach when reporting and dealing with communicating with customer past/presen Desired Outcome/Settlement Desired Settlement : Correction to a credit report None Provided Complaint Details Nature of Complaint : Billing or Collection Issues
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TN)

I was a XXXX XXXX customer for about 5 years then in XX/XX/XXXX I sold the house and moved into my parents home until we could buy a house I contacted XXXX XXXX to close my account out then about 2 months later I started receiving bills for disconnecting early I told them that I have been a customer for 5 years and that I had sold the home which had the service they said they would take care of it. then I started getting collection letters from a debt collector for {$240.00}, So I called XXXX XXXX asking why am I getting these letters they said it was turned over to a debt collector, So my information was illegally obtain by the debt collector. I told them I sold the house and no longer needed service there so they tried to get me to move my service to my parents house I told them my parents had cable and they said that since I didn't transfer my service I owe the debt. We purchased a home in XX/XX/XXXX the collections was still on my credit report but had been removed from my experian credit report. I hear about this action all the time but never told I would be part of it. So the damage is already done but my report should be corrected.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I purchased a used car and financed {$29000.00} with Capitol One Auto Loans. I signed up online for automatic payments and chose the " weekly payments '' option offered by Capitol One. The first payment as made automatically on XX/XX/XXXX, second payment on XX/XX/XXXX but then I was charged a late fee on XX/XX/XXXX. On XX/XX/XXXX I received a call from Capitol One saying I was delinquent, I was able to get them to agree that I wasn't delinquent. As of XX/XX/XXXX my account still shows I'm delinquent and that I've been assessed a late fee. I called Capitol One today, XX/XX/XXXX, they wanted to grant me a one time late fee forgiveness but I should never have been charged a late fee in the first place. I refused the offer and got them to agree that I shouldn't have been charged a fee in the first place. They claim that they will correct my account once the claim is reviewed by another department. I'm filing this complaint because this should never have happened in the first place and if I hadn't been vigilant about checking my account I could have paid several incorrect fees and possible damaged my credit. To me this seems to be a trap set up by Capitol One to get consumers to pay fees that never should have been charged in the first place, if it happened to me it must be a common occurrence.
Consumer complaint received 2022-01-08
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. (MN)

I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-01-08
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. (AZ)

On XX/XX/2021, my car was broken into at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. My passenger car window was shattered. My wallet, gym bag, and lunch tote were all stolen and multiple charges were attempted on all my debit and credit cards, including my old unemployment card. When the electronic fraud alerts populated, I selected that they were fraud charges on all of them so I dont understand how this charge went through. One charge went through on my chase sapphire credit card for {$1100.00}. I have spoken with chase multiple times about this. The first call they reassured me the charge would be removed and no documentation was necessary. The charge was then added back on my card towards the end of XXXX. I called and they said the charge was valid and I am responsible for it because a PIN number was used - there is no PIN number for this credit card so thats invalid. I proceeded with providing screenshots of the drivers license renewal, screenshots of all the fraud alerts I was notified of, and a police report, and they deemed the charge valid still. No one is contacting me directly about it and they are avoiding helping me resolve this issue.
Consumer complaint received 2023-07-05
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. (NV)

I called your department after I purchased a credit report with Experian on XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. 
These are disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collections that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off and collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

On XX/XX/21 I received services from XXXX  XXXX XXXX 's XXXX XXXX at which time I paid my copay of {$50.00}. XXXX XXXX sent out labs to XXXX. XXXX XXXX billed and got paid by my insurance. XXXX did not. XXXX sent {$1200.00} to CCS and after I told them it was a mistake and that I never had lab charges so high. I called XXXX XXXX 's office and they informed me they got paid and it was a mistake and I didn't owe anything. I emailed XXXX  I found out they didn't respond to my first inquiry so I called CCS. I informed them I had insurance and the Dr. got paid. THe rep said I owed it becuase the insurance never paid. I demanded verification that the insurance was billed and he would not send it and insisted I pay the {$1200.00}. They never sent me anything so I notified XXXX through email I was planning to sue them and the collections agency as they damaged by credit and was turned down for a loan. I sent screenshot of my insurance portal to CCS/XXXX  shwoing XXXX XXXX was paid and there was nothing from XXXX. They asked for an EOB. I replied with How can I send you an EOB if you never billed my insurance. My credit score dropped XXXX points and I have proof of this and the damage this has caused.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX has caused damages by not removing false incorrect information of Billing Errors I've asked them to Keep accounts and remove negative and false information they refuse even though i have sent in proof as well as refuse to send the proper tax forms and other request as well as payment received for I, the Consumer account to be properly credit and balanced This is on going three years now, please see attachments all Sent Certified Mail and Next Day Air
Consumer complaint received 2022-03-30
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. (SC)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a loyal customer of Bank of America and have an outstanding credit history with them, which continues to this day. In 2017 my children and I were in a car accident which created a total loss on the vehicle I was financing through Bank of America. As a somewhat educated consumer I still was not clear on the settlement protocols between insurance, myself and the lender. I believed the payment from the insurance company would count as my XX/XX/2017 payment. This turned out to not be the case and I was notified that my payment was 30 days past due. I immediately paid the outstanding balance. This 30 day late payment was reported to the credit reporting agencies and has been impacting my credit ever since. I understand the bank has procedures to follow but I feel this was an extenuating circumstance where we were dealing with a catastrophic event in our lives and no empathy or effort was made by the lender to explain the situation and reasonably resolve it. I understand if I had a history of delinquency that this should not be up for debate but my on time payments with this lender alone should demonstrate it was an anomaly.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (NJ)

I check my credit reports faithfully everyday through my XXXX XXXX XXXX XXXX XXXX to make sure all is well. On the morning of XX/XX/2022 I was notified my score had changed due to a Collection. I was immediately alarmed & upset because I havent received anything from any collection agency. I logged into my XXXX & XXXX account & seen a collection account for {$370.00} on my credit reports from a company named RADIUS GLOBAL SOLUTION, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! No form of communication at all!! I dont even know of anything where I would owe {$370.00} because I pay all my bills & again, I havent received any type of communication about a {$370.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX credit report. I will attach a screenshot of what I seen on my XXXX credit report. Thank you for ALL your help.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
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
Consumer complaint received 2022-01-08
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. (VA)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

I opened a savings account with CitiBank NA in response to a promotional mailer received in XXXX of XXXX. I was unable to fund the account within 20 days as required per the promotional offer conditions as due to a technical error ( error XXXX ) I was unable to view the terms and conditions associated with the account. 

On XX/XX/XXXX Citi informed me that inspite of the technical error that they will not provide the promotional balance. As a result, this account no longer meets my needs so I sought to close the account on XX/XX/XXXX. Prior to closing the account I went to transfer funds to my verified external checking account ; however, Citi has restricted my ability to transfer funds to external accounts. This is inspite of the fact that Citi is able to accept additional fund deposits from this account. 

Given this issue, I called Citi Phone banking at XXXX and after waiting on hold for approximately 15 minutes spoke to a personal banker, XXXX, who was unable to help me but transferred me to online banking support. After waiting on hold again, I received a message that the online baking support department is closed. 

I then called Citi Phone banking again at XXXX and after waiting on hold for approximately 20 minutes I spoke to XXXX. I informed XXXX that I wanted to close my account and when asked for the reason why shared that I have had poor experiences with customer service and technical support. XXXX then asked for my credit card number at which point I clarified that I am not attempting to close a credit care account but rather a savings account. XXXX then informed me that he only supports credit cards accounts but was happy to transfer me to another department.

I declined to accept the transfer as after spending over 40 minutes on this issue no longer had time to work on it.

I need to understand 1 ) how to transfer funds to my external checking account as quickly as possible and 2 ) how to actually close this account. Note that when logging into Citi online the only contact options presented are to correspond via mail or phone ( there is no option for live chat or a secure message ).
Consumer complaint received 2022-01-08
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. (TX)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I disputed these fraudulent accounts multiple times and they are still being furnished on my credit report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or have express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2023-07-05
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. (MI)

This is my 16th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}