davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (VA)

A payment came into my wise usd account from one of my associates. Which afterwards I tried paying some of my suppliers in XXXX for some goods. The payment I tried making to XXXX were stopped and my account was close. I was asked to make an appeal and also provide information for me to get a refund of all the money in my account which I did. After several business an email came that the refund wouldnt come to be without any explanation. 


This has made my customers and associate upset with me. I need my money back as this has caused me a lot this period.
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (AR)

RESURGENT AND THIER CONSORTIUM COLLECTION FRONTS ARE ILLEGALLY COLLECTION DEBT LISTED IN CHAPTER XXXX BANKRUPTCY THE ORIGINAL CREDITOR WAS AWARE OF BK AND SOLD TO LVNV AND E-MAIL BY FIRST ACCORD IN XXXX 2020. SEE ATTACHED. THEY ARE IN CLAER VIOLATION OF DODD FRANK ACT.
Consumer complaint received 2020-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NC)

I booked a trip for 4 clients on XX/XX/XXXX, and received 2 separate payments on XX/XX/XXXX and XX/XX/XXXX for {$7900.00}. After the second payment, Square suspended my account and froze all transfers of money. I then immediately submitted the documentation required to get my account reinstated, including receipts, payment authorization forms submitted by the clients, operating and organizational paperwork filed with the state, and everything else they required. On XX/XX/XXXX they deactivated my account and said that all transfers will be frozen for 90 days. I tried to call them, chat with them, email them, but everything either sends me to a robot or a noreply message with no ability to talk to a human. I now can't pay my vendors, including hotels that are selling out, so may have to cancel my clients trip or have really dissatisfied clients, effectively putting my business at risk. I don't  know what to do!
Consumer complaint received 2019-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (KY)

My name is XXXX XXXX XXXX. I have opened an account with the Cash App using my XXXX app store. I opened my account with Cash app and was sent a debit card with my name etched on it ending in XXXX originally. I lost that card during move and received a second card ending XXXX. I receive my federal VA benefits on the XXXX in amount of XXXX and a state XXXX in amount of XXXX on the XXXX of each month. this month on the XXXX of the month Cash app took all money away and now i do not have access to any of it. I have been evicted from my home, i can not pay any of my bills and i am very upset. I need this figured out and my money to be returned asap
Consumer complaint received 2023-04-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Somebody used my information to try to open a credit card in XX/XX/2022 through Bank of America. I caught it and contacted Bank of America to try to settle the dispute. Then they renewed the date on it to XX/XX/2022 instead of removing it and I would really like it removed from my credit report as it was done fraudulently ... .I strive to have good credit I did not make this Hard Inquiry and I need it gone. I did my part and placed a fraud alert on my credit profile. The company Bank of America claimed they would remove it and instead the result was it getting a newer date so it will remain on my report longer. They never placed the statement that it was a fraud attempt. Trying to do it thru XXXX is a joke they want you to call the reporting company back and I don't want to do that in the event that doing so might extend it longer or have them accidentally do another hard inquiry because they are incompetent at their jobs.
Consumer complaint received 2022-12-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I filed a complaint with this office on XX/XX/XXXX in reference to a case brought by Wachovia Bank National Association to XXXX XXXX XXXX XXXX. Wachovia Bank was supposed to respond with a solution to these issues within 30 days and no action was taken by this institution. This noneexistent company was pursuing this case with a fictitious name cancelled and using a " Lost Note Affidavit ''. Wachovia Bank N.A. merged with Wells Fargo Bank on XX/XX/XXXX under Federal Approval effective XX/XX/XXXX. Wachovia Bank XXXX. cancelled their fictitious name registration Wachovia Bank can not do business or maintain a lawsuit in any court unless it is represented by Wells Fargo Bank as " successor by merger ''. Wachovia Bank XXXX. was violating the Florida Statute XXXX, the Federal Rule of Civil Procedure ( Rule XXXX ) and the Florida Rule of Civil Procedure XXXX. 
The response given by Wells Fargo Bank on XX/XX/XXXX on the CFPB case number XXXX did not solve the issues presented by XXXX XXXX XXXX XXXX this complaint. XXXX XXXX XXXX contacted the Comptroller of the Currency Office on XX/XX/XXXX in response to the letter sent by Wells Fargo Bank on XX/XX/XXXX ( documents previously provided to OCC ). Wells Fargo Bank falsely represented to this Office that these issues were resolved on XX/XX/XXXX and that XXXX XXXX XXXX did not respond to their letter. Wachovia Bank N.A. does not legally exist since XX/XX/XXXX and they filed a foreclosure deficiency lawsuit on XX/XX/XXXX against XXXX XXXX XXXX using a " LOST NOTE AFFIDAVIT '' stamped in XXXX XXXX, Florida. Wachovia Bank is violating what they agreed in the National Foreclosure Settlement with the goverment and the 50 attorneys general. Wachovia Bank is violating the Florida Statute 865.09, the Federal Rule of Civil Procedure ( Rule 9 ) and the Florida Rule of Civil Procedure 1.120. Furthermore three actions of fraud were practiced against XXXX XXXX XXXX in XXXX since Wachovia Bank filed this case in XXXX XXXX. At this point in time the damages for XXXX XXXX XXXX are greater since this nonexistent company forced him to file Bankruptcy with a defective case and causing to this family an uncalculated financial crash. XXXX XXXX XXXX was XXXX on XX/XX/XXXX and Wachovia Bank continues with the lawsuit active in the XXXX XXXX XXXX XXXX ( Case Number XXXX NC ). Wachovia Bank was supposed to dismiss their defective case upon the discharge. XXXX XXXX XXXX asks to this office for HELP since Wachovia Bank XXXX. abused this family when they foreclosed our home in XXXX and now continues violating the law with this case. Furthermore XXXX actions of fraud were practiced against XXXX XXXX XXXX since XXXX filed this case in XXXX XXXX. Thank you for your attencion to this matter. XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am writing to dispute the recent incorrect charges and late payments that have been reported on my JPMCB account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the JPMCB account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and JPMCB, along with a copy of the inaccurate reporting.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It was two late payments reported for XXXX and XXXX of 2023 and I don't recollect having any payments late and this is a direct violation of my rights in the Fair Credit Reporting Act 15 usc 1681
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the accuracy of the account listed as " XXXX XXXX XXXX '' account number XXXX, on my credit report. I believe the following issues require correction : Charge-Off Status : The account is marked as " charged off '' with a balance of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. I request verification of this charge-off status or its removal if not substantiated. 

Payment History : The account reflects charge-off statuses from XXXX to XX/XX/year>, but there was a partial payment agreement in place. This agreement should be reflected accurately, or the reporting should be corrected. 

Account Closure : The account is listed as " closed at credit grantor 's request '' in XX/XX/year>, which may be inaccurate or improperly documented under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-06-23
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. (CA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$1000.00} XXXX {$1400.00} XXXX {$440.00} XXXX {$13000.00}
Consumer complaint received 2023-06-08
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. (IN)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the black market, I need these to be removed.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX XXXX XXXX, account number # XXXX, is not complete nor is it accurate. 

XXXX XXXX XXXX XXXX account number # XXXX, is reporting the payment history incorrectly as well as inaccuratelyreporting the last payment date.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2015-08-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DYNAMIC RECOVERY SERVICES, INC. (TX)

The company Dynamic Recovery Solutions has placed a collection on my credit report and also calling me everyday. It says that it is a collection from XXXX XXXX hospital from 2008. This the XXXX that I 've heard of this. They swear that it 's me, but it 's not. There are 3 other people in this city that have the same name as I. They do n't even have the correct address for me and I 've been in my same house for over 15 years.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Integrity Group Inc (NC)

I was contacted by Integrity group with the help from you so that I could receive a refund on fees charged to me by them. The fee was {$290.00}. However they put down all of my information wrong including address so I did not sign since it said a check would be mailed to that address. I notified Integrity that the information was wrong and provided the correct info. I have still not received a response from them or the check. This has been over 2 months now.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do Not recognize the following credit inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX I have asked for them to be removed by the Credit bureaus and they have not done so. 

I am attaching an Identity theft report. 

I am requesting for these inquiries to be removed ASAP. 

They are inaccurate.
Consumer complaint received 2022-11-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (TX)

To whom it may concern, i sent a dispute letter on XX/XX/2023. My tracking number is XXXX. This letter was to remove some inaccurate accounts that do not, an has never belonged to me, enclosed was a letter of verification, an FTC report, along with my correct identification. When they came back verified, they never gave me reasons they used to do so. 
I am exercising my rights under code 15 U.S.C 1692g
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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