davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One closed my account XX/XX/XXXX, they charged me late fees, and interest total amount {$300.00}, this was a credit building credit card. I sent in {$200.00}, to open the account. In XX/XX/XXXX, I sent capital one a {$300.00} cashiers check. When I called to see if they received the payment. Associate confirmed the company did receive my payment. I was told I owed {$13.00}, I havent paid the {$13.00} do to unemployment. I received a bill today from capital one stating I owe {$75.00} if capital one closed my account and I paid 95 %, of the owed amount. Then capital one cant charge late fees, or any other fees. If they closed the account in XXXX. I want whatever fees that were charged to the account to be reversed and the {$13.00} still owed. To be forgiven for being less then {$20.00}
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

Cash App sent the 1099A tax form to IRS under my personal information. This CASH APP account is our non profit business account with the business federal tax ID number. I remember when they asked me a a year or two ago to please send them my personal information so they can identify the business account and that is what I did thinking this was protocol. Now I am in the process of dealing with IRS because they stated that my personal income has increased and this is not the case. I contacted CASH APP to correct the 1099A with the corrective form and send to IRS and they told me they have nothing to do with this and I need to contact a tax person and they do not give tax advise. I explained to them that I do not need a tax advisory I need CASH APP to fix the 1099A information they sent to IRS in XXXX and XXXX. Also, I never rec 'd a copy in the mail. I would have seen this error then and addressed it back then. However, I never rec ; d a copy in the mail. I have contacted Cash App several times and they refuse to speak with me on this matter with correcting the 1099A for XXXX and XXXX with removing my personal information and correcting it with the XXXX XXXX information.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX XXXX XXXX XXXX GOLDMAN SACHS Dear Sir/Madam , I am writing to bring to your attention a matter regarding a recent credit application I submitted to Goldman Sachs. Pursuant to the provisions outlined in 15 U.S. Code 1691, it has come to my attention that my application was denied despite my having exercised my rights under this chapter in good faith. 

Specifically, the law prohibits creditors from discriminating against any applicant in any aspect of a credit transaction based on the applicant 's exercise of rights under the law. Despite my genuine and lawful application, I received an adverse action, which is defined under the law as a refusal to grant credit in substantially the amount or on substantially the terms requested.

I believe that Goldman Sachs may have inadvertently overlooked my rights under the law, and I am writing to give you the opportunity to rectify this situation before further escalation is considered necessary. I trust that Goldman Sachs values compliance with federal regulations and aims to remedy any inadvertent oversights promptly. 

I am hopeful that by bringing this matter to your attention, we can resolve it amicably and ensure that my application is reconsidered in accordance with the law. Please feel free to contact me at the email address to discuss this matter further or to provide any clarification you may require.

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX Email : XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (TX)

FCRA violations : not my inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX XXXX TX XXXX XXXX type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post XXXX box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$91.00} XXXX XXXX account. {$91.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. {$10.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$12000.00} writte FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

After asking for information, we attempted a phone verification, which failed for some reason and only worked on my previous number from two phone numbers ago then after attempt, I proceeded to give my mothers phone number which had worked previously, but upon doing so exhausted all attempts and the bank teller proceeded to hang up in my face, not giving me reasons to why my account was locked I asked to speak to a supervisor, which also the phone on me without giving me reasons to why my account was locked
Consumer complaint received 2023-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I see a credit collection account from Credit Collection Services ( XXXX ) on my credit report saying i owe {$61.00} from XXXX. Now this is the first im hearing of this so i asked them for paperwork which they refused to send me. This doesnt make any sense because i used to pay the car insurance on a bi-monthly basis so why would the amount be {$61.00} it doesnt make sense. i let my insurance expire and i switched companies. This collection account caused a XXXX point drop in my credit score and is really hurting me.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I received a call from Wells Fargos XXXX number ( thats on the back of their debit cards ) about unusual activity on my account. I went through and confirmed and denied my charges and was prompted to change my pin and a new card would be sent out. They said theyd be in touch. 
On XX/XX/XXXX I received another call from Wells Fargos number about additional withdrawals made. They said they were closing my card and were starting an investigation. 
XX/XX/XXXX I called Wells Fargo back to get claim numbers. It turns out these 2 calls were fraudulent and someone spoofed Wells Fargos number. So I then started the fraud claim process. 
Claims were for the following transactions : Claim XXXX # : XXXX. XXXX in branch withdrawals for {$5600.00} & {$2000.00}. 
Claim XXXX # : XXXX. XXXX XXXX purchase for {$18.00}. 
Claim XXXX # : XXXX. XXXX ATM withdrawals for {$600.00} & {$400.00}. 
Wells Fargo gave me a provisional credit for all of these, but after their investigation was complete they rescinded the {$1000.00} ATM withdrawals saying that because I had my card on me ( it was never lost ) that it must have been me or someone I authorized. I told them this was not the case and they need to check their security cameras. They told me that I would have to file a police report. 
I filed a police report, Case # : XXXX. The detective was able to recover the security camera footage and it is not me. 
I called Wells Fargo back, told them I could send them the stills and they are refusing to refund the {$1000.00}. Im currently trying to speak to their executive office about this which is as far as I have been told I can escalate this.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation (TX)

1. My personal financial information including my tax returns, bank statements, and payroll stubs were sent to my real estate agent from my mortgage broker without my consent. 
2. I did not receive my loan estimate for over 3 weeks after I applied for the loan 3. Was informed in an email that I had loan approval from the broker then later informed that the investor had never received any documentation to determine loan approal. This was discovered 4 days before scheduled closing. 
4. The broker has misplaced or lost my personal documents 3 times and is now requesting it be sent a fourth time. 
5. This is with Academy Mortgage in XXXX, Tx Loan officer XXXX XXXX Branch Director XXXX XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Over the course of 4 days someone attempted to open several credit cards in my name. I contacted the specific financial institutions as well as the credit bureaus showing the inquiries so I could have the fraud hard hits removed from my report. 

Transunion is a complete mess. Over the course of the process I've talked with 5 different people, each giving me a different process to follow to get the inquires removed. Ultimately they want me to file a report with identitytheft.gov ( which I have done ) and mail that report in along with either a copy of my drivers license or social security card. Sending either of those documents by mail seems to be grossly irresponsible! While the other bureaus allow for this information to be uploaded on their website, the function doesn't work for Transunion. To make matters worse, from the time I mail the information they say it can take up to 90 days to correct it! 90 days with my credit score being negatively impacted by a company being run like it's 1975. 

For such a critical service to be run so poorly seems to demonstrate a complete lack of leadership within the organization and equally a complete lack of regulatory oversight.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am XXXX XXXX permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES INCLUDED IN DISPUTE TIED UP TO POSITIVE ACCOUNTS EXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOFI TECHNOLOGIES, INC. (MD)

Copy of Text from Letter To SoFi Bank for Attempt to Collect on Personal Installment Loan Paid in Full & Closed Re : Formal Account Dispute Dear SoFi Bank, We are writing to formally request that SoFi Bank place the above referenced personal loan account in credit DISPUTE and in accordance with our rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Consumer Credit Protection Act, and the Federal Trade Commission Act. We dispute any outstanding account balance as being in error and or fraudulent. This personal loan installment account was paid in full, evidence of payment with payoff statement and letter is attached with this correspondence. 

In regards to this account and our consumer / creditor relationship you are also notified and instructed that any and all communication must be in writing and sent to the account address of XXXX XXXX XXXX, XXXXXXXX XXXX. You are hereby notified that we will not respond or accept any form of electronic or digital communication including email, phone calls ( landline or cellular ), or text messages. Do not contact us by any means other than in writing and delivered by the United States Postal Service, XXXX, or XXXX. 

We contacted SoFi several times via phone, online chat and email. Our account has been notated each time we called, we were told by your telephone customer support agents. We requested escalation as one of your SoFi customer support agents acknowledged that SoFi had made a mistake and no further action on our part was required. In error and without our request SoFi made unauthorized line of credit loan distributions to us by electronic deposit after this installment personal loan account was supposed to be closed and paid in full. The account was actually overpaid when it was closed and SoFi refunded the overpayment to us. SoFi also retracted and electronically reversed and unauthorized distribution made into our account at XXXX XXXX XXXX XXXX. We notified our credit union of these unauthorized electronic deposits and asked them to freeze any activity by, to or from SoFi Bank. 


Again we maintain that this account has been paid in full, and is closed. We have no further debt obligations to SoFi Bank. Any outstanding balance showing along with past dues account notice, debt collection efforts are in error and the fault of SoFi Bank. Also any reporting of account delinquency, and late payments to the credit bureaus are also in error and in violation of our consumer rights. 

We request that you thoroughly review our account, clear this matter and notate our account as paid in full, with a {$0.00} balance and in good standing, paid as agreed, and no late payments whatsoever. 

Lastly, we request to be notified in writing within 45 days that this matter has been closed in our favor and was in fact the result of an internal accounting error made by SoFi Bank. 

Sincerely,
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 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
Consumer complaint received 2024-08-06
Product: Credit reporting 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. (TN)

Take this complaint seriously, I am alarmed about unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.