davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

During the pandemic we lost our jobs, Vanderbilt has refused to help in any way available. Last year they paid my property tax without my permission as I do not have an escrow account and that has always been my personal responsibility. They demanded that in full at first then divided it to add to monthly payments. My payments have been applied to late fees first etc. all of the extra added expenses they have put on my account is impossible to catch up on. I asked for a forbarence twice with a denial both times because of no job yet. They filed foreclosure and immediately sent an eviction notice before the court date! I never took out a loan with Vanderbilt to begin with, they assumed my loan from a different company so they should have had all my contact information but instead started calling my neighbors telling them Im late on my mortgage and please tell them to contact us! Thats none of my neighbors business. They make up their rules as they go which is illegal and fraud. I would appreciate it if this company can be investigated as Im sure Im not the only one that has been financially abused by this company
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I tried to log into my MoneyGram account : XXXX and was unable. I initiated a chat with a customer service representative and was told that my account was suspended due to suspicious fraud activity. I ask for it to be resolved but they refused. I then asked them to provide details about the fraud my account was flagged for and they refused to provide that information. I need you to get my account back up. I support a preacher in the XXXX  and this is the only way I can send money to him. My SSN ends in XXXX. My DOB is XX/XX/1954. You can reach me at ( XXXX ) XXXX XXXX EST. -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

The MoneyGram issue is : Case number XXXX
Consumer complaint received 2022-07-06
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. (IL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I had disputed 8 erroneous late payments that were showing up on my credit reports, and Equifax finally removed 7 of them a few month ago. NOW, I pulled my credit report again, and they have illegally REINSERTED the same late payments again without notifying me at all, which is a violation of the FCRA. Not only did they REINSERT them, they also are reporting that they were 90 days late, but not reporting 60 or 30 days late before that. That is also a violation of the FCRA, and inaccurate. I was never late on these accounts, and they had removed the late payments for MONTHS, and then suddenly reinserted them. The accounts are all " Dept of Ed/XXXX '' accounts. The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-02-15
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. (NY)

In accordance with the fair credit reporting act this creditor XXXX XXXX has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose. Please remove.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for days but i just remembered i could file report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. 

My email linked to my paypal is XXXX XXXX
Consumer complaint received 2023-06-12
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. (GA)

In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX  -account # XXXX, XXXX XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

15 U.C.S 1681 section 602 A. States I have the rights to privacy.

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion is reporting lates on XXXX XXXX that should no longer be there, these lates have been removed off of other bureaus and I have a deletion letter from XXXX. I have disputed this multiple times and sent proof that I was not late 3 times now. They have responded claiming the lates are valid again and again and they are not.
Consumer complaint received 2022-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I previously opened a case regarding fraudulent credit inquiries appearing on my credit report from Capital One. The previous CFPB case was case # XXXX. Capital One promptly investigated my claim and found that these inquiries were in fact not authorized by me and requested that the credit bureaus remove them. XXXX and XXXX promptly removed the inquires. XXXX did not. I contacted XXXX directly through the CFPB and attached the letter from Capital One stating their intention to have the inquiries removed. XXXX responded to the CFPB and told the CFPB that they would investigate my claim. XXXX did not investigate the claim. XXXX opened a dispute which they close a few hours later and responded to the dispute stating that inquires were a matter of fact and that they would not remove them from my credit file. I am requesting that Capital One once again reach out to XXXX and request the removal of the fraudulent inquires. I have attached a copy of the letter from Capital One regarding the inquires which states the inquire ID and the date of each fraudulent inquiry to this complaint. I would also ask that the CFPB take action against XXXX for not following the request of Capital One and my request to investigate and remove the inquires. Capital One requested the inquires be removed in XXXX and it is now the end of XXXX and the inquiries remain on my credit report. I have copied Capital One and XXXX on this complaint. I have also attached screenshots of the inquires still showing on my credit report as well as screenshots from XXXX 's online dispute system showing that they opened and closed the investigation into these dispute within a few hours, did not actually open an investigation and denied me my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and fail to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (FL)

This company called me without sending a letter regarding a debt from XXXX XXXX XXXX or FBCS and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX  and XXXX  if you reported this account to them.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Hello there I have sent multiple letters to these companies disputing items that I truly believe are incorrect and wrong. Not mine and I truly never had any accounts with these companies before. Yet they keep reporting them.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 i submitted a fraud claim # XXXX for transactions i have incurred the past couple of days, however they denied my claim within a couple hours without even investigating thoroughly the legitimacy of the transactions. 

I was a victim of a car break in where my wallet along with numerous credit/ debit cards, identification cards such as my drivers license were stolen along with audio equipment attached to my vehicle as well as my cellphone/apple watch. A police report was filed and also an insurance claim with XXXX ( car insurance ) and XXXX  ( Cell phone insurance ). 

Im extremely frustrated with the handling of my claim by wells fargo as you cant expect to have a trough investigation into a claim from 4 different merchants to be concluded. 

I was able to reach out to one of the merchants ( XXXX ) and was informed that indeed my information was used to purchase tickets with them and if i wanted to dispute the purchase i would have to go thru the financial institution. The gentleman i spoke to mentioned that the transaction was made by an " XXXX XXXX " " XXXX '' to whom i have no knowledge who he or she is nor did they have authorization to conduct such a transaction with my information. 

Police report # XXXX taken by XXXX Police Department ( XXXX ) XXXX, XXXX Claim # XXXX, XXXX claim # XXXX.
Consumer complaint received 2019-08-06
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. (CA)

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-28
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NJ)

Good day, I have tried many times and submitted documents to Norstrom Credit Card Services through XXXX, XXXX and XXXX, informing that I had financial difficulties during the pandemic, I was in XXXX twice and then I was diagnosed positive with XXXX, I submitted probe through the XXXX credit bureaus, Norstrom does no want to removed the late payment from my credit report. 

Thank you
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months they said i would have to wait 180 days to be able to transfer my funds out which was on XX/XX/2020 so it has been more than 180 days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Collections Inc (GA)

I have been referred to an agency because of a mistake a business made on a purchase. They refunded me ( in their opinion too much ) when I was overcharged for some floor tile. I have no credit account with company- they are trying to collect money not owed. Since I would not pay what they say I owed XXXX dollars- I was referred to a very aggressive collector. The collector not only wants the XXXX but a service charge for their service. They are contacting me at work after I told them the number is for work only. I told them I was collecting info to pass along to you and they continue to harrass me. 

They have called multiple times- attached is one attempt at collecton. 

XXXX if you see this and is anything other than a stealing your living in a fantasy world young man this is XXXX calling once again from asset collections Inc. we are the collection agency for XXXX XXXX XXXX XXXX XXXX ___ when you take something and you're supposed to pay for it and you don't it's called dealing young man you need to step up here and hold yourself accountable __ the best you can do in the way of making restitution to your victim being at XXXX pound stone if the best you can do to make restitution _______ __ ____ monthly payments then that's what you do what you don't do it you don't hide behind your voicemail OK my number here is XXXX extension XXXX XXXX it's not OK to steal from people you know that I'm guessing this is a result of the running into some cash flow problems with that's OK cause you can make restitution give me a call back and let 's get you set up on a monthly payment so you can get this thing paid and behind you telephone number is XXXX extension XXXX and by the way I invite you to speak with my supervisor here he's also happens to be the owner of this company his name is XXXX XXXX at the same telephone number at extension XXXX again my number is XXXX extension XXXX and it's XXXX asset collections case number here for you was XXXX and I will expect a return call promptly XXXX Please help me with them. This is a nightmare XXXX XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

All 3 of my checking accounts with USAA were closed on XX/XX/2023 due to filing too many disputes. They stated that I can never open another checking account with them. 

I have a payroll and student financial aid check that was deposited which they are holding for 60 days. I would like these funds released immediately and my account reopened or a new account opened with these held funds. 

As I stated, I have the right to file a dispute or many disputes. This is harassment, discrimination, and even extortion to keep holding my funds.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

My account ending in XXXX is enrolled in repeat payments, the amount of {$50.00} is scheduled to post one day before due date each month. No payment posted for this month for reasons unknown to me, a late fee was charged yesterday, XXXX, in the amount of {$15.00}. Because no payment was scheduled, I made a payment today,XXXX, in the amount of {$40.00}. I do not know why my auto pay did not go through, however, I do not believe it is my fault and should not be charged a late fee.