davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recover, LLC (AZ)

I have many times to get copies and info of contracts that they have the rights to collect the debt as well as copies of the original debts that show I do owe this debt. Ever since 2012 they have never been able to produce or will not produce the info that I am asking for. I have issued XXXX complaint with XXXX XXXX on my credit report and they could not even verify the debt with them so that was even removed from my credit. I have also told them many times this is not a valid debt since we were not supposed to be charged anything for moving out early or anything since it was a rental for the harassment that we were receiving. This was worked out with the previous management company before XXXX took over from XXXX XXXX. I also did disclose this to Rent Recover, they have no interest in investigating the claim. I have gotten very upset many times after being yelled at and being told I would just be dragged to court. They would just talk over me and ignore all requests.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: FIRST NATIONAL BANK OF OMAHA (SC)

I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IA)

On XX/XX/21 I received a Netspend All-Access prepaid debit card in the mail. The debit card account is in my name, and I have no knowledge or intention of requesting this account. Im not sure how they received my personal information, but I think what they are doing is wrong. 

I didnt ask for this card. I dont want this card. I assumed that my identity had been stolen and someone fraudulently opened an account in my name before I did research into why I received this card. I dont think its a very honest advertising tactic to send someone an unsolicited debit card in their name through the mail.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

This filing is about a non-profit account with Block , Inc. ( formerly Square, Inc. ) and Square Capital, LLC. On XX/XX/XXXX, we received a notice that Block operating platform Square decided to collect funds from our online fundraiser that we have conducted for the past XXXX  years on the Square platform through our website. Our donors paid for tickets to our upcoming event through our website, and payments were processed through the Square platform. We have conducted transactions with the platform, since XXXX. 

The platform did not notify us of any changes in service agreements before collecting the funds, nor did they inform us that there was an issue or violation of their terms or policy before deactivating the account. They have since refused to offer any suitable explanation, that can allow us to investigate the matter. It is evident that Block , Inc. ( formerly Square, Inc. ) and Square Capital , LLC, feel that withholding small business and non-profit organizations funds requires no explanation is an effective business practice. 

We reached out to inquire about the account over the past XXXX weeks. However, were blocked from speaking with live agents and got an email stating that they do not owe us any explanation for withholding funds and deactivating the account. 

We contacted the customer service department via email, with no resolution, expect a very abrupt and rude response. In addition, an email was sent to the XXXX XXXX XXXX, explaining the issue and trying to get the matter resolved. We have not heard any response from his office or his team. 

Although we have been legitimate customers for over half a decade, Block , Inc. ( formerly Square, Inc. ) and Square Capital, LLC. have neglected to fulfill their customer service standards by not notifying consumers effectively about any terms of service changes. Block is also withholding funds of small businesses and non-profits for financial profit to shareholders.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

IC system called me in 2022, regarding this XXXX XXXX XXXX I didnt receive a email of any past due account, was sending the bill to the wrong address, explained that the credit card used was compromised. Suppose to be resolved, made XXXX payment, somehow they got another card, I didnt sign up with in first place. Trying to collect {$490.00}
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TX)

I have lived in this house and have had the same telephone number since XXXX, XXXX. I do not have any debt. My home has been completely paid since XXXX, I don't have any other debts ; I pay my credit cards in full every month. XXXX has been calling my house off and on for the last three years. I have spoken to them and the calls will stop for a couple of months ; then they will start again. Please have these type of people stop bothering honest people like me. I am XXXX, old and with the phone ringing 10 to 15 times daily ; it's very hard to keep up with these scammers. Thank you.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NY)

I have been 3 months trying to get a bill from this Simons company. I dont know if the bill is mine or how old it is. I found out about this bill by checking my credit report. Was never told about this. Was never sent a bill or a phone call. I cant pay a bill I dont know about. Dont know who the original creditor is. Would really like to see a bill of what I owe Im not paying for something until I know what it is for
Consumer complaint received 2016-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over 9 years old and they have an account number that doesnt belong to me.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: AMERICAN EXPRESS COMPANY (WA)

American Express filed a judgement against me. I settled the debt with them in XXXX 2015. They did n't release the judgement. I found out couple days ago that I still have the judgement against me when I am applying for a mortgage. I called them and asked them to expedite. They said it will take 6-8 weeks, there is no expedite process. I asked why did n't they release it 2 months ago. They said this is not an automatic process. I have to call them and ask them to release. Is this true? Why could they do so? I paid but they still hold the judgement against me unless I ask them to release? I already lost the house I want to buy.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have submitted disputes through the normal process XXXX times and theinformation has not been updated in my credit report. I have includedproof of the payment information in this claim, which was also sent to the credcredit bureaus. Please have them remove or update the information asrequired by law.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (CA)

Robocalls from " Transworld Systems Incorporated '', asking me to call XXXX for XXXX XXXX. It 's a phone answering service, nobody ever picks up, and I ca n't get any information on whom they are trying to contact or what the debt might be. And they keep calling multiple times a day. 
I 'm pretty sure I do n't have any outstanding debts - but these idiots keep calling, and not responding to messages left on their service.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC opened a fraudulent debt collection account against me in XX/XX/XXXX and continues to report false information about a false debt to my credit report accounts on the three credit bureaus. They have failed to provide me with any actual proof that I have borrowed money from them, opened a credit card account with them, or signed any contract with them at any point in time. They have accessed my credit reports without my consent. They have utilized their affiliate companies Resurgent and XXXX XXXX to contact me in attempts to collect money from me that I don't owe and that they are not entitled to. They are not attorneys representing XXXX for the fraudulent XXXX account opened in my name in XXXX, they are debt buyers who purchased my information off of the Dark Web in an attempt to extort money out of me. I have filed a police report and retained an attorney.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed erroneous accounts completely from my Credit File. I have been asking the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items accurate and verified. However, the Credit Bureaus have been disappointing me and have failed to send me copies of such documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed account before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : 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 2015-10-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NJ)

RushCard has locked me out of my account for 10 days now and I have no access to my paycheck or student refund from my school. I am a single of XXXX and I am not even able to go to the store to by my XXXX old son formula. I am desperate and upset that I can not even take care of my children because of the technical glitch. I have called their customer service number over 100 times and have gotten hung up on, placed on hold for hours then hung up on, and told by their customer service agents that there is absolutely nothing they can do. Please help my family! I do n't know what else to do.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

First of all Wells Fargo is an excellent financial institution. I have been banking there for at least XXXX years I thinK. On XX/XX/XXXX or XXXX I received notice that the bank " found inaccurate info and or missing info required to comply with federal anti-laundering laws to protect your account from fraud and other criminal activity. '' Wells Fargo is asking me to come to a nerby branch in order to provide proof of address verification. What prompted their action is my change of address from my brothers house to a mail service organization called Traveling Mailbox. Prior to that my brother was handling my mail for almost XXXX years while I was living in the XXXX. ( His address is XXXX -- -- XXXX XXXX My brother is XXXX year older however his wife has major XXXX XXXX so I no longer wanted to burden him with my stuff and so I opt for this service after watching many XXXX channels related to these issues. Because I had planned to move to XXXX in late XXXX due to the higher cost of living in the XXXX. I opted for this service and while visiting a friend in XXXX i purchased a phone in order to receive authorization codes so my phone number changed which was my brothers. I needed to take him out of the loop. I went through XXXX and the phone worked while in USA but since arriving in XXXX it is XXXX so Now the bank is asking me to come back to the USA to clarify my status Which I will have a Rental agreement here in XXXX but the expense of that rather then sending a copy seems more reasoable. You can look at all my financiial affairs. I am not hiding anything. I would be living on the streeets if I was back in the great USA. I love my country so why would they want to have another burden. I don't take XXXX and I am not a burden to my country. Why would the federal goverment treat me as a threat or jerk. I am not stealing or robbing to eat... I havent hurt anyone. Why treat your good citizen like criminals. I am sorry for my rambling but this is what old men do. All I want is peace. I may not deserve it. There are many that has it much worst than myself both in the USA, and XXXX and the XXXX. If I have to fly can it be solved in a california Wells Fargo. I dont do well in traveling but I really want my account with Wells Fargo to remain open, They have provided excellent service so why rock the boat. I have trouble remembering new stuff so its important mentally for me to stick to what works. i am sorry, I didn't know about these rules. I did not intentionally try to deceive the bank. It was an honest mistake. Please forgive me. OKAY... I was just thinkng, just call me " The Rambling Man '' ... funny ..Respectfully XXXX XXXX XXXX
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

sent in an identity theft affidavit ( certified ) and still have been ignored. Equifax did not produce any physical documents in re to the fraudulent accounts/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 ACCOUNTS XXXX XXXX MORTGAGE XXXX XXXX XXXX BANK XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MO)

This is through Chase Bank ; I was beginning to get charged purchase interest, which is fine I understand interest is part of having a credit card. However from XX/XX/2023 I have been charged purchase interest of {$8.00} which is no big deal and something I could handle and I put a credit of around $ XXXX later that month for a XXXX I had. 

At the end of XX/XX/2023, I went on a trip with a friend and had to spend well over the XXXX which was around $ XXXX at the time, I had paid all my minimum payments on time and now my purchase interest is up to {$190.00} and my minimum purchase is now $ XXXX That is almost {$800.00} I would have to pay, for them to charge me again for this issue. In the month of XXXX and XXXX, I paid both of my minimum purchases a little over {$600.00} between both months, but they took nearly {$300.00} in purchase interest charges getting me no where with my debt. 

I have called and messages them both times in order to resolve this as I am willing to pay my debt but I can not afford to keep spending even more money because I cant pay what is now $ XXXX in full because of this purchase interest charge. They have been unhelpful and basically tells me each time that I must pay it in full or the interest and minimum payments will be higher.
Consumer complaint received 2024-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (CA)

Yes, the bank M & T Bank signed a document before placing on my home title a XXXX XXXX XXXX they are required under the XXXX Civil Code 2923.55 c Declaration of Compliance prior to taking such an act as placing a XXXX XXXX XXXX or XXXX. They attested they could not make contact with myself and spouse and that bank satisfied the due diligence efforts that are required under 2923.55 ( f ). In that code it states the bank must mail a certified letter with a return receipt as the final step. I am requesting the proof they assert to produce the certified letter and receipt with tracking number so I may verify if it was mailed and received by the code they should or need to produce that document. I am asking them to verify and confirm they did. Thus far they have not produced I either want them in writing to confirm they do not have it or produce it and give it to me as I am entitled with my rights as a homeowner.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BARCLAYS BANK DELAWARE (AR)

there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I staked XXXX XXXX with Coinbase in XX/XX/XXXX. Was supposed to receive on average of 4 % daily return. Had a balance of almost XXXX $ last checked in mid XXXX. Now shows under {$50.00} with no explanation and no support to clarify. Also, can not get money back from staking as its locked up under their control as per agreement but they have broken agreement by not providing interest or accurate book keeping.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (VA)

I monitor my credit report, more frequently now as we 're attempting to buy our first house. A collection notice was filed for the amount of {$3900.00}. We have received no notification of this debt, no verification of this debt, and consequently no notice of right to dispute this debt.
Consumer complaint received 2024-02-08
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NC)

All actions on XX/XX/2023 -use debit card normally approx. XXXX EST XXXX XXXX informs me my chase digital card had been suspended -call chase -chase claims they decided to close account but will not provide reason why, one agent claims due to conversation with claims department- closing account for a joke about JP Morgan would be a violation of my first amendment- furthermore even though profanity is a federally protected action, none was used. 
-chase refuses to allow withdrawal of funds -chase will not disclose a direct reason for closure -chase has made it impossible to provide any necessary resources as chase holds all of my families money and will not allow access. 
-JPM Chase is the number one lender to the United States government, I have no way to get help even if legal action was sought.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

Through my bank, XXXX, and via XXXX, I sent XXXX, to my brother for medical reasons. I sent XXXX for three months straight, to help him. He just had his XXXX XXXX and lives alone. 

It was totally my error! 
I sent the money to a man in Florida because his phone number was one digit off from my brother 's. 

I understand XXXX can not refund my money because I made the mistake. 

However, when I contacted the gentleman in Florida who's phone number is similar to my brother 's, he returned my money to his Wells Fargo Bank. Wells Fargo told this gentleman, that it would be returned to me. They gave him a case number and two reference numbers. They did not give him a reference number for the third and final return of the XXXX. 
When he returned the final XXXX, they said this was a fraud case and made him change his account number. 
This statement of fraud confuses me, because nobody is taking money from this gentleman. 

After I first spoke to the recipient of my money, I made a report with my XXXX bank. This report should still be on file. 

Next, I went to Wells Fargo with the case number and reference numbers, to see if they could tell me where my money is. I asked them, when will I receive my money? 

Wells Fargo said, they can't look up the case number, because my identity can't be proven. 
I offered to give them my bank information, my social security number, driver 's license, and/or my birth certificate. They said sorry, we can't help you. 

I went back to my XXXX bank to see if they could assist me. 
They said they can't retrieve my case and reference numbers from Wells Fargo, either. 

Bottom line is, Wells Fargo has my XXXX and I need it back, desperately. Wells Fargo refuses to look up my case number, and find out where my money is. 
I don't know where to turn for help. I'm not going to allow a bank to keep my money. Please help me! 
Sincerely,