davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (OH)

I Sold my home and closed on XX/XX/30. The buyers financed through Vanderbilt Mortgage and Finance , Inc. Vanderbilt made distributions for the realtors, title company, and paid off my mortgage, which was also with Vanderbilt . Vanderbilt did not pay me the balance due to seller. It has been over a month. I have contacted vanderbilt by fax, phone, and email at least 25 times during the month. Also, through an attorney and through a XXXX XXXX XXXX complaint. They have not responded except to direct me to a different phone or fax number. They have not given an explanation for the delay or an estimated date the check will be mailed. 

A secondary concern of mine which they also have not addressed, is why is Vanderbilt paying by paper check through regular mail. I would rather receive an electronic deposit to my account. I feel that it is reckless to send a paper check for such a large amount through regular mail. I have also presented to Vanderbilt my concern about who the check will be payable to. My husband and I divorced and I purchased his share of the home and property as part of the settlement agreement, but could not have his name removed from the title of the manufactured home until the mortgage was paid in full. I have sent the document establishing this to Vanderbilt 4 times trying to get someone to assure me that this won't be a problem.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Contacts me at least twice a day as well as calling my relatives that has nothing to do with it. 
XX/XX/XXXX called me and my upset three time XX/XX/XXXX called me once XX/XX/XXXX called me twice and my husband once. 
XXXX of XXXX - XXXX at least me twice from different numbers and my husband once. Caused friction on his job when they call during the day. 

I receive calls from numbers ranging from NC, GA, CA, TN, TX to name a few. 

I asked them to stop calling as I am working with a credit repair company, but they keep calling us this has been going on for over 5 months now.
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MA)

Consumer Financial Protection Bureau CFPB Consumer Help XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX XXXX XX/XX/2020 Subject : Billing Harassment by XXXX Dear Sir/Madam, I XXXX  an envelope from the XXXX , MA XXXX store ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, Invoice number XXXX, Tracking ID : XXXX XXXX XXXX XXXX XXXX Envelope ) to XXXX XXXX, XXXX on XX/XX/2020. XXXX charged me {$75.00} ( please see receipt and credit card statement ). It contained a rubberband bracelet that my XXXX year old daughter had made for her grandparents and a family photograph. However, upon arrival in XXXX XXXX I was told that the envelope could not be delivered because the Commercial Invoice was missing. This is XXXX fault and not mine. After much effort and extensive, but futile, communication with the XXXX folks in XXXX XXXX, I gave up. I told them ( via email ) to keep the envelope. I was very disappointed in XXXX and my daughter was upset that her grandparents did not receive their gift. 

The next thing I know is that XXXX has the audacity to send me another invoice for {$75.00} ( Invoice number XXXX ). Despite contacts with XXXX by email, XXXX, phone, XXXX has not resolved the matter and has escalated the harassment by recruiting a Collection agency to collect {$75.00} ( Total charge {$85.00} ) from me. 

At this point, I sent the Collection agency ( Transworld Systems XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, File # XXXX, XXXX XXXX, Invoice number XXXX XXXX XXXX ) a notice to stop and a copy of the receipt for {$75.00}. 

As a consumer, I want to know how I can stop XXXX from harassing me with these collection notices. Additionally, I want a refund for {$75.00} since XXXX lost the commercial invoice. 
This whole process has been very stressfull and I would like to know my rights and how I can make a big corporation like XXXX more responsible for its actions I will mail you this letter and receipts. 

Thank you very much, Name and address withheld
Consumer complaint received 2020-09-14
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Hello, I applied for a business account and was denied because ChexSystems shows a delinquent amount not paid for {$410.00} which was filed on XX/XX/2020 to XXXX XXXX XXXX XXXX. I called XXXX XXXX ( XXXX, Product Specialist XXXX XXXX ) discovered that the IRS used my social security # and gave it to a business to use as their EIN #. This company ( which they would not give me the name of ) is the one that is delinquent for the amount of {$410.00}. 

I emailed the IRS on XX/XX/2020 and they replied back to say " We were unable to locate any specific guidance regarding this on theIRS.gov website. 

I mailed Chexsystems on XX/XX/2020 explaining issue and have not received notification back. 

Please help me get my social security removed as an EIN for this company by contacting the IRS. 

Thank you
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : Transunion, XXXX, and XXXX Dear Transunion, XXXX, and XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on :XX/XX/XXXX Made with : Transunion Made by : Desert Financial Made on : XX/XX/XXXX Made with : XXXX
Consumer complaint received 2020-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I ordered product from XXXX XXXX in XXXX. I never received any shipment information, so I tried to contact them, several times, through website email. There was no response. 
I questioned the integrity of this company after going on line and finding multiple Scam Alerts on consumer websites and XXXX, with consumers experiencing similar issues of no response to inquiry emails sent and non- functioning toll free numbers. 
When XXXX website had information advising no longer selling products, I contacted CapitalOne to report issues, not receiving product and disputed transaction. On XX/XX/XXXX I received package from XXXX XXXX, in soft non padded plastic bag. There was no receipt enclosed only a dented box, with the unit broken. It appeared to have been crushed or possibly not assembled properly before shipment. I sent email that same day to XXXX XXXX, advising item received broken and requested an XXXX label, but again no contact at all. A few weeks later I received a letter from CapitalOne declining dispute advising I now have to pay charge.I contacted CapitalOne account XXXX XXXX ID # XXXX this morning ( XXXX ) who stated, it's not CapitalOne responsibility to ascertain if company the Consumer does business with is a scam or not. In addition, although I sent proof of trying to contact requesting cancel/return product, XXXX advised CapitalOne is requesting I pay charges anyway, adding dispute is closed ...
Consumer complaint received 2022-11-30
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. (FL)

From XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct Number XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a 2-month deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you
Consumer complaint received 2022-10-11
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. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NY)

THis in regard to a TRUIST checking account. 

On XX/XX/2022 my account had a balance of {$84.00}. On that day I made purchases for : {$12.00} {$0.00} {$38.00} {$3.00} {$2.00} {$2.00} Adding up to {$60.00} This left me with a balance of {$23.00} However, on that day I was charged an overdraft fee of {$36.00} for no given reason, and my account went to - {$12.00}. This fraudulent charge went on to cause compounding charges since I made further purchases without the knowledge that I had a fraudulent fee on my account. 

On XXXX XXXX I incurred XXXX more {$36.00} fees which would not have occurred had the first fraudulent fee happened. 

I contacted customer service and they insisted that I was overdrawn, even though my account statement says otherwise. I am currently on my third representative and I have had no success in rectifying the issue.
Consumer complaint received 2020-09-17
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. (LA)

XXXX  and Experian should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX  nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Bureau, I have noticed on my credit report a publi

c record Bankruptcy that doesnt belong to me. I have already contacted the Court and received a letter from them saying that they dont report any Information to Credit Bureaus . Also they do not even have a case number on my name, which proves that I do not have a Bankruptcy. So it should be deleted from my credit report. I require you to delete and block all the information related to this record. Thank y
ou!
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Revolut Technologies Inc. (AZ)

Thru the Revolt bank app, I purchased {$80.00} worth of BCH but I only received {$57.00} worth of BCH. I contacted support thru chat in the app due to they do not have a customer care number. I explained to them what happened and they explained to me that there is a fee for the exchange. I understood the fee for the exchange which is usually  1 % to 5 %. I explained that I lost XXXX dollars in the exchange, which is 30 %, and how insane that is. I never heard back from them and I feel that I have had {$23.00} stolen from me. i've checked 4 exchange sites and i should of recieved XXXX BCH and i recieved XXXX BCH worth XXXX.
Consumer complaint received 2021-07-03
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: Fidelity National Information Services, Inc. (FNIS) (KY)

Chex systems is not following the laws of the FCRA, they have decided to leave a fraudulent account on my Chex systems report and the have never provided me with proof bearing my signature proving the fraudulent account with XXXX XXXX. XXXX XXXX has corresponded to me twice stating that they have never received a dispute from Chex systems. I have included the correspondence. It is evident that one of the parties are lying and the parties need to be held accountable for this and the fraudulent item on my Chex system report needs to be removed immediately! 
The dates of all of this is from XX/XX/2021 - Present XX/XX/2021 CONSUMER ID : XXXX the statement following is what was sent to Chex systems : I HAVE ALREADY FILED A DISPUTE WITH CHEXSYSTEMS ON THIS ACCOUNT AND ACCORDING TO CHEXSYSTEMS YOU STATE THAT IT IS VERIFIED YET YOU DID NOT PROVIDED ME WITH THE DOCUMENTATION USED TO VERIFY THIS FRAUDULENT ACCOUNT. I NEED VERIFICATION AND PROOF OF MY SIGNATURE ON ANY OF THE FRAUDULENT BANK DOCUMENTS. I HAVE SENT YOU MY FTC IDENTITY THEFT REPORT WHICH YOU HAVE COMPLETELY DISREGARDED THE FCRA 'S RULES AND REGULATIONS IN WHICH YOU SHOULD BE FINED. THIS SHOULD BE REMOVED IMMEDIATELY AS THIS FRAUDULENT ACCOUNT HAS PREVENTED ME FROM OBTAINING A BANK ACCOUNT. I HAVE NEVER HEARD OF XXXX XXXX  UNTIL I SAW THE FRAUDULENT ACCOUNT ON MY REPORT IN XX/XX/2021. I HAVE ALSO BEEN IN CONTACT WITH XXXX XXXX AND THEY HAVE INFORMED ME ON 2 OCCASIONS IN WRITING THAT AS OF XX/XX/2021 THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS. SO I HAVE THE PROOF TO PROCEED WITH A LAWSUIT BECAUSE THE LETTER FROM XXXX XXXX STATING THEY HAVE NEVER RECEIVED A DISPUTE FROM CHEXSYSTEMS ON 2 DIFFERENT OCCASIONS IS CLEARLY STATING THAT EITHER CHEXSYSTEMS OR XXXX XXXX IS LYING. PROOF WILL BE ATTACHED. YOU HAVE 15 DAYS TO VERIFY THIS INFORMATION AND TO PROVIDE ME WITH A DOCUMENT BEARING MY SIGNATURE. IF YOU CAN NOT, I AM DEMANDING REMOVAL UNDER THE FCRA. EITHER XXXX XXXX OR CHEXSYSTEMS IS COMMITTING A CRIME BY CHEXSYSTEMS LYING AND SAYING THAT YOU VERIFIED MY INFORMATION AND OR XXXX XXXX LYING SAYING THEY HAVE NEVER RECEIVED A DISPUTE. WHOMEVER IS NOT TELLING THE TRUTH IN THIS MATTER IS VERY UPSETTING AND THIS TIME IS GOING TO BE RESOLVED BY REMOVING THIS FRAUDULENT ACCOUNT OFF OF MY REPORT. I AM FILING WITH THE APPROPRIATE AGENCIES TO GET THIS RECTIFIED IMMEDIATELY.
Consumer complaint received 2020-09-14
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. (GA)

This complaint is regarding Experian Credit Bureau, which most major credit cards and mortgage lenders use to issue credit. I had a XXXX hospital bill that was listed by the XXXX XXXX XXXX as a collection with all three credit bureaus. I paid the hospital bill in full and around XX/XX/20, the XXXX XXXX XXXX, who was collecting for XXXX reported it to all three bureaus as paid in full. However, it has been almost 30 days later and Experian is the only credit bureau that lags behind in removing the paid collection. Also, I have attached messages that I received from Experian that my credit account balances have decreased significantly. However, my credit scorXXXX does not increase but with XXXX and XXXX, my credit scores are higher because they are more efficient in reporting accurate and updated information. I do not understand as a United States citizen how non-U.S. credit bureau out of XXXX can have precedent on our credit reporting system. Therefore, in most cases being inefficient prevent the average consumer from obtaining mortgages, credit cards, auto loans, and etc.
Consumer complaint received 2020-11-20
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: CITIBANK, N.A. (IL)

On XX/XX/XXXX, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  .

On XX/XX/XXXX, XXXX 'XXXX  XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY FIFTH THIRD BANK NA. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.
Consumer complaint received 2022-11-30
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. (FL)

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct Number XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a XXXX deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you
Consumer complaint received 2022-05-02
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. (MA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.