davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (AL)

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, Experian and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, Experian and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
XXXX, XXXX, XXXX, Experian and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I received fake checks from the person who wanted to purchase second handed furniture from me on XXXX. And turned out these people were scammers and they just wanted to stole money from me. After deposited the cash, they asked me to cancel the purchase order and let me to return the money. So I zelled the money back to them at the time I didnt realize that they were scammers instead of real buyers.
Consumer complaint received 2023-05-04
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: Idaho Housing And Finance Association (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

On XX/XX/, an unknown unauthorized person withdrew {$10000.00} from my XXXX XXXX  account and opened an account online at a Citibank. On XXXX XXXX XXXXXX/XX/XXXX discovered the fraudulent transaction and reported it ( with great difficulty ). I followed the bank procedure and had my account frozen. It was determined to be fraud and my money was returned a few days later. 

I have tried to reach someone at Citibank to report that the account opened is fraudulent. The Citibank automated customer service line will not connect me with anyone who can help me. On XXXX XXXX XXXX  my husband and I went to the local branch of Citibank and spoke to a manager. I had an ATM card from Citibank I had received in the mail but no other details about what happened. The manager made a phone call and pulled up a screen showing us the details of the account that had been opened in my name, with my address, with funds from my XXXX account and my social security number. The account was opened on XX/XX/ and on XXXX XXXX XXXX  the thief transferred out {$9900.00}. I did not think to ask for a copy of the details of the transactions such as routing numbers or anything that might help the police or the FBI to catch the person. The manager told us she would close the account and report it as fraud. She said I would get an affidavit of fraud in the mail that I would need to sign and return. So far, I have received nothing. I have no evidence that the Citibank was marked fraudulent nor that it was closed. I can not reach anyone through their customer service line and they have, much like XXXX XXXX, flat out refused to give me a mailing address where I can direct my request. The manager of the local Citibank branch does not return my phone calls. 

I have filed and identity theft report with the FTC. I also filed a limited fraud complaint with the FTC but I have no details about the account to include in the report since I dont have any. I filed a police report as well but since there are no transaction details there is little they can do. 

Both of these banks are very difficult to communicate with because neither of them seems to have a mailing address where they can be reached. Someone needs to stop this behavior and make it easier for ID theft victims to document the case.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (IN)

I have bought Apple gift cards from various vendors over the last few months. All the gift cards were successfully redeemed on app store. My current apple account balance is XXXX. On XXXX XXXX XXXX, I tried placing an order on Apple.com and tried using the apple account balance. However, I was unable to place the order. See the attached screenshot ( Error Message-1 ) I tried calling Apple support and they mentioned that my account will be reviewed and subsequently the funds will be released after someone " reviews '' it. I tried placing order on XXXX XXXX XXXX and same issue happened. This time, I received other error message ( Error Message-2 ). The issue persisted on XXXX XXXX XXXX and none of the customer service representatives ( from pre-sales, sales, XXXX XXXX, store credit ) departments were of any help. Today ( XXXX of XXXX ), I spent so many hours trying to use my apple account balance. I received the same error message. However, an agent I talked to mentioned that my account has been reviewed and Apple has decided not to release my funds. He also hinted to file a dispute with credit card. I asked him, what the course of action was since my funds are being held by Apple and I am unable to use it? He mentioned that there is nothing he can do. I want access to my funds.
Consumer complaint received 2023-05-04
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: Fidelity National Information Services, Inc. (FNIS) (WA)

Checksystems refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from checlsystems consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet checksystems illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
Consumer complaint received 2022-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (CO)

I was injured at work back in XX/XX/XXXX. I started trying to work with Cross country mortgage in XX/XX/XXXX in regards to loss mitigation and have had trouble with them " not receiving my applications '' I got confirmation XXXX that of was received via email. From XXXX until today ( XXXX ). I have emailed them on XXXX, XXXX, XXXX, and XXXX. I have called them XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Cross country mortgage has not been giving me any information nor updating my account in regards to the loss mitigation process. They had also sent me a letter for acceleration and stated today in the phone call that my loan is now in active foreclosure even though I have been in contact with them and sent in all the documents requested.
Consumer complaint received 2022-08-04
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. (MD)

XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XX/XX/2022 - unauthorized inquiry was added to my Eqiifax report from XXXX XXXX
Consumer complaint received 2022-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act Founders XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-04
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 have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : EQUIFAX : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, XXXX stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2022-08-04
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. (VA)

Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on my credit report
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Consumer Assistance Center Attn : Complaint Department XXXX. XXXX XXXX, XXXX, XXXX   XXXX I have recently pulled my Experian credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Experian. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX has removed all accounts associated with ( XXXX XXXX ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

About 10 months ago XXXX did not pay all my taxes.I disputed it with them and they finally agreed they were wrong.I lost XXXX points on my credit score because of their ineptitude.In XXXX my tax collector sent me a notice that taxes werent paid, i contacted XXXX and they said they dont have to pay that portion of my taxes.That is totally wrong on their part, they must pay all taxes on my mortgage.This is the second time they have been wrong and i loost another XXXX points on my credit report and if they dont pay the taxes by XX/XX/XXXX i will be delinquent..I want them to fix this once and for all. 
The XXXX points loss is due to XXXX saying i was in conflict with them.
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

On XXXX I fell victim to scammers upon applying a personal loan online I was approved up to XXXX I was told that they had sent me overpayment In error and it needed to be returned to them which I did verify with my bank the over payment was there but later found out the scammers managed to stop payments on several mortgage payments to make it seem as a deposit and over payment of XXXX which the demanded be sent back to them after numerous calls and messages. I called Citibank to verify no fraudulent activity and was told all seemed normal so I proceeded to return the money as they were very persistent. Now Citibank is saying I am responsible and need to get money back from scammers.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 all my credit cards issued by Capital One were closed without any notice. A week later, I received letters saying " Capital One has observed activity on a pst or present Capital One account that is not consistent with the bank 's expectations for account activity. Unfortunately, it can't be reopened, and we are not able to offer additional information about this decision. '' I called Capital One asking for the exact reason. But Capital One refused to tell me. I recalled thoroughly all my card activities. The only possible reason I can recall is beside using the cards for purchase, I also did some balance transfers. Capital One credit cards do not charge balance transfer fee and if the balance on the statement is paid in full before the due date, there is no interest either. This is why I made balance transfers from other banks ' credit cards to my Capital One credit cards. This way I can have some more days to pay my credit card balance. I saw about this balance transfer feature of Capital One credit cards a few months ago online and till now many others ' Capital One credit cards are not closed. If Capital One do not like this activity, why Capital One approved the balance transfer request at the first place? If Capital One do not like this activity, why Capital One make this balance transfer feature available? You make out the rules and people behave according to your rules. You are the rule-maker, you can change the rule if you do not like it. But you can not suddenly arrest people saying that you do not like their activities. You are the rule maker, you can change the rule if you do not like it. It is not right to suddenly close all my cards without any warning first. I am always taking good care of all my credit cards and my credit history. The closure of all my Capital One credit cards hurt a lot on my credit history. The Capital One Quick Silver card is the first credit card that I have. Please reopen my cards. Thanks.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE FIRM, INC., THE (FL)

Called customer service XXXX to confirm that new mortgage had received payment and additional funds had been applied to principal. Two separate payments are being sent for the monthly payment to mortgage company. Talked with rep and then supervisor. They said they dont accept partial payments and this would cause errors. I received my statement for XXXX showing an overdue payment of {$480.00} when in fact 2 partial payments of {$700.00} had been received by this company 3 weeks earlier well covering the {$1100.00} payment. I called again on XX/XX/XXXX and talked to 2 different reps and the 2 supervisors, XXXX and XXXX. I ask to speak to the quality department or their manager but they both stated that there was only the supervisor. I only ask that the funds sent to them with my account number be credited in a timely manner every month to my mortgage. They are unable to do this. I am sending them my money to pay on my mortgage and this company can not guarantee where my money will end up in their payment process. This is unacceptable.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.