davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

I sent bitcoin to my cashapp wallet which went trough on the blockchain and is currently in the bitcoin wallet with cashapp.

However cashapp has since restricted/ closed that account and I can no longer access it to retrieve the bitcoin associated with that cashapp account. I have reached out to support multiple times and no one seems to be able to assist me in gaining access to the account with my bitcoin. This has been an ongoing nightmare since XXXX of XXXX, the account has over XXXXXXXX XXXX in bitcoin and I have yet to be able to access the money in that account. Countless emails and phone calls with support and still no resolution!
Consumer complaint received 2024-07-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION (NY)

I am writing to express my urgent and serious concerns regarding the handling of my mortgage by XXXX XXXX and subsequently by SN Servicing. The situation involves several alarming issues that need immediate attention and resolution to prevent unjust foreclosure on our property. 

Before my mother-in-law passed away in XXXX, there was approximately {$67000.00} left on the principal of the mortgage. She left the house to my wife, who, like her mother, is XXXX. Due to her XXXX, the property was supposed to remain tax-exempt, a status it held during her mother 's ownership. 

In XXXX, we received {$84000.00} from the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). This amount was intended to reduce the principal balance of the mortgage, thereby preventing any future foreclosure threats. Unfortunately, XXXX XXXX unscrupulously applied these funds incorrectly and subsequently sold the mortgage to SN Servicing.

Upon transferring to SN Servicing, we encountered numerous issues, including a complete lack of communication and transparency. SN Servicing has a notorious reputation for failing to cooperate with borrowers, misapplying funds, and expediting foreclosure processes. Despite our efforts to address the incorrect application of property taxestaxes that should not have been levied due to our tax-exempt statuswe were met with indifference and refusal to communicate. This lack of cooperation has allowed an incorrect tax amount to build up, exacerbating our financial strain. 

Most distressingly, when we finally managed to speak with a property XXXX from SN Servicing on XX/XX/XXXX, we were met with disdain and a complete lack of empathy. We were told that we did not deserve the house if we could not afford it, a statement that is not only unprofessional but deeply hurtful considering our circumstances. 

The mishandling of funds and the improper application of property taxes, combined with SN Servicings refusal to engage in meaningful dialogue, have put us at an unfair risk of foreclosure. We urgently request a thorough review and rectification of how the {$84000.00} XXXX funds were applied, immediate correction of the tax status to reflect our rightful tax-exempt status, and a resolution that ensures no further unjust financial burdens or foreclosure activity are placed upon us.
Consumer complaint received 2024-07-16
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: BARCLAYS BANK DELAWARE (NC)

I have check my credit report and I have tried to call these companies to get these inquiries off of my credit report. I did not authorize these inquiries. 

XXXX XX/XX/XXXX inquiry date XXXXXXXX XXXX  XX/XX/XXXX inquiry date XXXX XXXX I XXXXXX/XX/XXXX inquiry date
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MI)

Dear CFPB My name is XXXX XXXX. Address XXXX XXXX XXXX, XXXX, MI, XXXX. I am writing to formally complain about the prolonged suspension of my Square account and the inability to withdraw my funds. My account has been suspended for over XXXX months, which has caused significant financial hardship and inconvenience.Extended account suspension without clear explanation.I have made multiple attempts to resolve this issue through your customer support channels, but have not received a satisfactory response or resolution. This situation is unacceptable, as it effectively amounts to Square withholding my rightful funds without due cause. Thank you!!
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On two separate occasions when attempting to access funds from a business account for which I am a registered user I have been put through " additional verification procedures ''. These include answering additional questions, having supervisors and/or mangers come over to help the bank teller, being asked to re-sign a withdrawal slip and having my driver license information scanned and rescanned. When I ask what the problem is and why my transaction is taking so long. I am given dishonest and troubling excuses like we " have to check if there is enough money in the machine ''. This is especially troubling since the balance on the account tends to be between {$70.00} and $ XXXX and the withdrawal amount have been {$3000.00} and {$6000.00} respectively. The date of the last incident happened on Friday XX/XX/XXXX at approximately XXXX. Both incidents happened after providing my bank card and a valid CA Driver License during face-to-face transactions with the teller representative. I have gone to another location and these " extra procedures '' do not take place. Both of the incidents happened at US Bank located at XXXX XXXX XXXX XXXX, CA XXXX. I have emailed the branch manager, and he has not yet resolved the problem.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Someone gained access to my complete business bank account on XX/XX/XXXX i do not know how. They cash advanced twice on the credit cards on the business bank account and then made XXXX XXXX transfers to themselves XXXX XXXX XXXX XXXX XXXX XXXX  The totals for cash advance were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to completely open an new account. file fraudulent claims with credit, with digital banking at bank of america, with XXXX. I can't afford to not have this money. 

My accounts are still all restricted I am XXXX I filed a police report on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CREDIT BUREAU NAME XXXX Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 
XXXX, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXXEquifax XXXX XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

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
Consumer complaint received 2024-07-27
Product: Credit 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: JPMORGAN CHASE & CO. (GA)

As a season ticket holder for the XXXX XXXX, we were invited to a free party at the XXXX which includes two hours free parking. The night before the event, the XXXX game was rained out and rescheduled for the day of the party, thereby jamming up all the parking. We were directed to park in the XXXX XXXX, the only remaining parking. That lot was jammed and we had to park near the top of the garage We left the party in plenty of time to stay within the two hours free parking, In leaving the garage, the garage owner, XXXX XXXX, had blocked off the exits on the third floor, blocking it with a golf cart, forcing us to drive to the bottom of the lot where only one gate was open despite having a baseball game having ended. This forced us to go further down the garage than should have been required and to wait for others leaving the game. When we finally got to the gate, they claimed we were one minute over the free parking and demanded {$25.00} to exit. We disputed it but they refused to let us leave, despite the fact that they had blocked off the other exits forcing us to this exit further away and in the wake of the end of the rescheduled game. The fact that they game was rescheuled at the time of the free party should have made this parking issue apparent and blocking off the other exits despite a full grage added 5 minutes to just gettig to the open exit where we then had to wait, I should not have been charged {$25.00} as the reason we were 1 minute over was the blocking of the exit we reached in plenty of time and the fact that they should have known that the rained out game being added to the time right before the party would create this parking mess in the first place. 

When I contacted Chase about disputing the charge which i tried to do in writing, I was directed to contact an XXXX number. I was told by the employee of Chase at that number that I could not dispute the charge. I pointed out that this was a misleading and false statement in the the XXXX gives me the right to dispute the charge and as an employee of XXXX with XXXX or apparent authority to act on their behalf, she was providing false information, I asked XXXX speak to a supervisor and was told one would call me back. I never receieved that call back. I received an e-mail about the dispute but it demanded documentation, This is not a document dispute.
Consumer complaint received 2024-07-27
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (OH)

I bought the {$500.00} vanilla gift card at XXXX pharmacy on XXXX XXXX, 2024 which i realized the card was used by someone else i didn't authorize. 

I called on vanilla customer service today XXXX XXXX and i was told someone already called on my behalf regarding the issue, they requested me to submit some verification of ownership information to claim my card which i did already and yet to hear from them.
Consumer complaint received 2024-07-24
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SANTANDER HOLDINGS USA, INC. (MI)

Santander literally lied and falsified information that is attached to this letter. They uploaded this letter into my account with no discussion being had by me. They claimed that they spoke to me on the phone yet they don't have a phone number to contact me that is current. Nobody ever talk to me and I never agree to this. They lied. What is the recourse and what is the punishment to them for literally falsifying information stating that they spoke to me which they have done many times and they actually did not? That is so unbelievably illegal and unethical. They have done this multiple times over the course it's part of their shady business practices. They don't have a phone number to reach me. The phone number that they had no longer reaches me I don't have that number anymore. This is how I know they don't have any way to contact me. It's frightening to me that they can actually lie like this and get away with this. I did not agree to this settlement I did not agree to anything I did not speak to them I did not agree to the terms I did not agree to the dates I did not agree to the amount. You need to fix this with this lender once and for all and they're shady business practices. They have so many lawsuits that it is shocking to me how they can continue to do business. They have lied they have completely lied. Further evidence of their lies can be proven because of where I was at the supposed given time and date that they talk to me. I would not have been able to even speak to somebody because I was incapacitated. Lies lies and more lies.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (GA)

I received a bill for payment on XXXX. I made the payment on XXXX and was told this was not considered an early payment because I paid before the billing cycle was closed. I was charged a {$25.00} late fee for not making XXXX payments in XXXX month. In addition, I took out a cash advance and paid the total amount of cash advance back. I was not told I can not allocate how the money is applied and since I did not pay off entire balance of Credit Card they would not apply to the {$200.00} to my cash advance which allows them to charge me compounded interest. This information is not listed in the terms and conditions.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I got XXXX emails today ( Tuesday XX/XX/year> ) from Wells Fargo, all while I was not on my phone so I didnt do anything, stating that my credit card account and my checking ( debit ) card account was linked successfully to XXXX XXXX I have never given consent for Wells Fargo to link my accounts to a third party. It is not showing up in my digital wallet as it states it should because I DID NOT CONSENT TO THAT. And now they are making me close those cards to protect my accounts although they were the ones who made this happen!
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (RI)

Dear DISCOVER BANK ; not mine account. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMW Financial Services NA, LLC (CA)

When my BMW lease contract ended, there was a balance for mileage overage. I was making monthly payments on the balance. I received no updated statements or calls informing me that the balance needed to be paid by a specific time. Had I know this would impact me I would had paid balance before a collections marking was added on my credit. I have never been late on any of my accounts. This has affected me financially ; it has not allowed me to get another vehicle due to the impact on my credit score. I received one call on XX/XX/year>. I was told that if the balance was not paid, it would affect my credit, so I paid it in full. However, why did I not receive a letter or call prior? Had I known, I would have paid. I did not willfully try to evade paying this account.
Consumer complaint received 2024-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (UT)

FTC Report Number:XXXX XXXX XXXX has placed four unauthorized collections on my credit without notifications. Validation of a Debt Request Pursuant to 15 USC 1692 gb, Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) 18 U.S.C. 1028A : Aggravated identity theft. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect this debt in my state.Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations.You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I will not give DESIGNED RECEIVABLE SOLUTIONS my Identification or social security number either. DESIGNED RECEIVABLE SOLUTIONS is not licensed to collect any debt in my state. DESIGNED RECEIVABLE SOLUTIONS made a threat to sue for debt that's past it's statution limit but backtrack to say they can't but threatening to keep reporting Fraudulent debt on my consumer report. I have no contract with DESIGNED RECEIVABLE SOLUTIONS. This company bought a fraudulent account and expects me to give them my personal information so they can do an investigation lol. It's the other way around DESIGNED RECEIVABLE SOLUTIONS is supposed to do their investigation to prove I owe this debt. Your in violation of the FDCPA and FCRA law. So the law will not permit you to keep reporting Fraudulent debt. I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the listed below alleged debt and money that I do not owe. Accounts : XXXX, XXXX, XXXX, XXXX. Now DESIGNED RECEIVABLE SOLUTIONS response was definitely in poor character and also this company ignored my FTC reporting. Please provide me with the original contract and proof I owe this debt. I don't want an itemized bill. IF DESIGNED RECEIVABLE SOLUTIONS CONTINUE TO THROW THREATS THIS CAN BE HANDLE WITH LEGAL MATTERS. DESIGNED RECEIVABLE SOLUTIONS IS NOT LICENSED IN MY STATE AND THIS A CASE YOU WILL NOT WIN. SHOW ME DEBT OF VALIDATION FOR THE LAST TIME!
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (RI)

Dear DISCOVER BANK ; not mine account. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection. 
1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.