davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

A company called Transferwise we're meant to send my funds to my XXXX bank account. They promised this would take 48 hours. The money is coming from my personal US account to my personal XXXX account which I use for a vacation property. They now have taken over 3 weeks and their customer service is giving me the runaround. They're blaming a 3rd party bank. My relationship is with Transferwise, not a 3rd party - they need to refund me but are making all types of excuses. Their customer service is non-responsive and only answer when you complain when they do answer they say " we have no update ''. My contract is with Transferwise, not the 3rd party they promised me funds in 48 hours. 

My health and business are suffering and my staff had to be paid late. It is over $ XXXX USD. 

I am not the only person who has issues with this company, I have met 100 's of customers over the past few weeks who have had similar experiences, some peop [ le have waited over 6 months for a refund. I have reason to believe this company is committing fraud and using our funds as operating expenses, they recently started to file an IPO. Please help before any more innocent people lose their money from this company.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (AZ)

My husband entered into an agreement in XX/XX/2019 with Freedom Debt Relief and it's been a disaster since the beginning. The first debt they settled had issues with XXXX saying they didn't get the full amount promised in the settlement and we had to go back and forth with FDR. Then, the second card for XXXX XXXX XXXX just recently settled and it's basically the amount we are depositing to FDR each month so that leaves the last one XXXX out of luck basically unless we deposit between {$300.00} - {$500.00} extra per month. We were served a lawsuit by XXXX about a month after the initial date on the papers and now are being represented by a law firm in OK. We sent all the signed papers back right away and never heard anything from them I had to reach out to ask what is going on. It's been a back and forth. FDR has been absolutely horrible. I filed a complaint with the Attorney General 's office as well and they just responded with of course they have done nothing wrong. Along the way, they tried to get us to do a consolidation loan with them since I'm sure they realize the plan isn't going to work the way they sold it for the amount of money they told us we'd have to pay. Bottom line we were told to pay {$310.00} a month for 4 years and your debt will be paid. This is not true. They are a total and complete rip-off and are deceiving consumers right and left. I see there were multiple class-action suits and they just pay millions of dollars and continue doing what they were doing. It's shameful. I working with the attorney they appointed who is also no great shakes mind you and hoping to settle that debt directly with XXXX outside FDR. Then contact XXXX XXXX XXXX  and try to pull that out of the program as well. Then I want to sue FDR to get any fees we paid to them back and a sum of money for the emotional stress this has caused my husband and myself. Please help!
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IL)

I have a mobile banking account with Cash app. My first account was hacked so I opened a new one. I ordered a replacement phone had to send it back because it didnt work. The company XXXX refunded my cash app card that I used with the first account the refund amount was {$100.00} they will not activate the first account so I can get my refunds. They told me they can merge the account if I have the old cash tag name which I dont have. Today they sent me messages telling me that my phone number and email I used to set it up wasnt enough
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo services my mortgage. They purchased the loan from Bank of the Internet, the mortgage lender who originally made the loan. 
I had no choice in where my loan was sold. 

I asked Wells Fargo on XX/XX/XXXX to remove escrows from my account. 
I have the financial means to pay any insurance premium and real estate tax myself. 
I do not want Wells Fargo to earn interest on my money when I could be earning interest. 

The original loan to value was 80 %. The current loan to value is 70 %. 

Wells Fargo has refused to remove escrows from my mortgage payment. 

They claim I was " late '' on a payment and I had to wait 12 months before they would remove escrows. 

The late payment was in XX/XX/XXXX, almost two years ago, and this was simply due to a clerical error. 

This is inexcusable and Wells Fargo is extorting me, so they can continue to earn interest on escrow accounts. 

Can you please help me and tell Wells Fargo to remove escrows from my account? 

Thank you
Consumer complaint received 2024-09-06
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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Consumer complaint received 2021-02-25
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: TD BANK US HOLDING COMPANY (KS)

On XX/XX/2019, XXXX XXXX via TD AUTO FINANCE add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc. (MT)

I was mailed an automatic payment option to sign and return of an agreed upon amount. I signed and returned the paperwork. Two payments were taken out of my account and then the money stopped being withdrawn. No one followed up or notified me about the missed payments. I found out that the money wasn't being paid because my credit score dropped 100 points. From XXXX to XXXX. I was struggling to communicate with the collector previously as I was working to find a payment plan that would work to pay off the XXXX $ medical bills that I accrued from routine care at the XXXX. The debt got sent to collections in the first place because I was told I received 100 % financial assistance from XXXX XXXX, but later I found out that XXXX XXXX, XXXX isn't covered under that, which is where my XXXX XXXX XXXX were taken to be examined due to XXXX ( a common XXXX ) that effects women. 

I had Several recorded conversations with XXXX XXXX in Billings EXT XXXX ( XXXX ) where I begged him to put me through to his supervisor to try and find a solution that could be established to resolve my debts.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (TX)

FCRA violations : XXXX XXXX SENT over 12 months ago : XXXX XXXX XXXX, TX, XXXX any Questions pls contact me at : XXXX Please ask XXXX XXXX XXXX send signed documents : verify signature with Notary or one of their Facilities that they Trust please verify signature : Have XXXX XXXX send loan documents to me of Match : XXXX XXXX {$0.00} Closed 11 charge-offs
Consumer complaint received 2021-02-25
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-25
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: MUTUAL OF OMAHA MORTGAGE, LLC (KS)

On XXXX XXXX, 2020, Mutual of Omaha Mortgage XXXX XXXX XXXX , XXXX add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

I am in a VA Loan arrangement with Primary Residential Mortgage and they have made a series of erroneous payments from my escrow account dating back to XX/XX/2020. I have 27 documented attempts to reach them to resolve this matter and they refuse to cure the same. They are in breech of their fidicuary responsibilities in such and are also unresponsive to other regulators ( e.g. TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING ). 

Issues in summary : - They are debiting duplicate tax payments for my escrow account but only actually paying one of them. 

- Pursuant to the above, they are debiting amounts that otherwise were not issued out of the account. The tax entity sent me notices that tax obligations were not fulfilled exposing me to monthly penalties and potential for collection activity ( Ruin my credit and reputation ). 

- Primary Residential Mortgage also duplicated a debit to my escrow account for homeowners insurance ( e.g. debited XXXX in XX/XX/2020 and again XXXX in XX/XX/2020 ). 

Primary Residential has created so much impact that I was forced to find a new lender to align with a company that practices more integrity and uphold fidicuary responsibilities. Their accounting practice has created impact in my ability to transfer to another vendor thus is a practice holding me hostage.
Consumer complaint received 2022-09-13
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. (GA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

This is about Cash App company, On Tuesday XX/XX/XXXX, someone hacked into my account and fraudulently stole {$180.00} from my Cash App. Immediately, same day, I notified Cash App Support and they told me they were looking into it. They requested I sent them some information which I did A day after, they came back to me asking for same information. I did send those again. 

2 days later they came back asking for same information I'd already sent to them twice. And they claim they were not able to locate my account. 

When I went online to find a way to resolve this issue, I came across a website called XXXX - and the reviews left by other consumers regarding their experiences with Cash App were totally upsetting ( XXXX XXXX XXXX ). I came into conclusion that this company does not have the interest of consumers at XXXX, and they appear to deliberately support fraudsters using their platform. 

Please can you help? I need them to return the money stole from my account. 

I will be so glad if you can help or point me in the right direction. 

Thank you so much
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (NY)

Greetings! 

I spoke to an agent about debt collection issue from The Bureau Inc. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on XXXX XXXX for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to The Bureaus Inc. to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have had three separate attempts to obtain fraudulently a Menards XXXX Card issued by Capital One in my name in the past few months. The attempts for the card have been thwarted by XXXX because I have a freeze on my credit. I have contacted Menards and they said call Capital One. Capital One said put a freeze on with credit bureau which I already have. No one can give me any information on any investigations into this attempted fraud. I would like to know if the attempted fraud is originated in the Menards stores I frequent or elsewhere. I would also like my my accounts flagged so that reoccurring fraudulent credit requests be disallowed immediately during application.
Consumer complaint received 2021-02-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX  As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

There is a {$96.00} account listed on my credit file which is unknown, I have disputed and requested validation and nothing has ever been received. I don't know what else to do. Please help DEBT REC SOL-XXXX Balance : {$96.00}
Consumer complaint received 2021-02-25
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-02-25
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. (IA)

This is the 10th CFPB complaint, Equifax refuses to take anything seriously, and instead of removing accounts that are not mine, they add an additional account to my credit report that is not mine. Equifax is intentionally adding accounts or addresses that are not mine. I'm filing a federal lawsuit on XX/XX/21, this is the last time I'm trying to resolve this out of court.