davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (HI)

Hello, On XX/XX/2021, I opened an account with -- Current XXXX Banking. On XX/XX/2021, I received an email from the bank saying that my account was closed, and this company gave me no explanation. At the moment my account was terminated, I had a failed withdrawal of {$1100.00} and around {$250.00} in my balance. They keep over {$1300.00} of my money. In the email that they sent me informing me about the account termination, they also stated : '' the funds will be sent to you via a refund check to the registered address of your account. '' I never received any check. I tried to call them several times, but it seemes impossible to communicate with the customer service of this " bank '' or any person in this company. I also emailed them several times, and they never answered. I thought this money was lost until a few days a friend told me about CFPB. Thanks for your help.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (TX)

I am contacting you regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern as I received no prior notification about this collection. Moreover, I have substantial doubts about the validity of the claimed debt. 

Invoking my rights under the Fair Debt Collection Practices Act, I formally request validation of this debt. I expect you to furnish this validation and take appropriate measures to address this issue promptly. 

Please note that a comprehensive response, including all requested documentation, must be provided within 15 days of this communication 's date. Be advised that an unsatisfactory or incomplete validation response within this timeframe will be deemed insufficient.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (VA)

We have a Home Equity Line of Credit through Truist Bank. About a year ago we locked this loan into a fixed rate instead of a variable interest rate. Over the last couple of months they continue to escalate our monthly fees with no warning to us. Our monthly statements actually say we owe XXXX each month, even though we have a balance of around XXXX. We have been paying $ XXXX to include the principal and interest which is above what we owed. When I logged into our account today ( where I can actually see what we owe each month ), I see they have raised our monthly payment over {$200.00} to {$1100.00}. I have called our local branch, and they tell me they can not explain this increase or help us that we need to call the main Truist loan number ( XXXX ) which I have done repeatedly. For the XXXX time this week, I've tried calling this bank today and I was on hold for over XXXX minutes. Someone finally answered and immediately hung up on me. How is this legal for a bank? My husband and I have repeatedly tried to contact this bank to ask what they are doing and they do not answer. Please let us know what protections exist for us and if a bank can just not speak with their customers.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (VA)

I have been the victim of of theft I have filed police report and if theft report I have never opened an account with your institution or had a credit card with your institution u guys owe me 2000 dollars for taking out of a check from me
Consumer complaint received 2024-08-12
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: MRS BPO, LLC (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to Pacific Concrete FCU v. Kauanoe, 62 Haw 334, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-07-09
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: SYNCHRONY FINANCIAL (NJ)

Dear PayPal, I requested the closure of my account ending in XXXX, due to charges from XXXX. I did not have access to another account ending in XXXX except that you charged it with the fraudulent XXXX bill. As my financial service provider, you have failed in your responsibility by siding with XXXX in the dispute regarding this unauthorized charge. Did XXXX provide you with dates of alleged participation and benefits from the purchase? Did they share email correspondence where I clearly stated my lack of awareness of the charge and my request for an immediate refund upon registration? Your reasons for denying my dispute are unreasonable. Why did you bill {$170.00} to my account on behalf of XXXX when I did not subscribe to their service? Did you thoroughly review my documents? Here is a summary of my situation : Question : Did I register on XXXX after seeing an ad? My response : Yes. Question : Was my card information requested during registration? My response : Yes. Question : Did I see any notice about a subscription charge ( why was the notice hidden? )? My response : No. Question : Was I shocked upon seeing the charge and what steps did I take? My response : I was shocked, contacted XXXX but received no response for XXXX hours. I immediately notified PayPal, who stated no dispute could be opened until the charge appeared on my account. XXXX promised a response within XXXX hours but took XXXX hours. I used the site for less than XXXX hours while waiting for their response. Upon XXXX refusal to refund me based on a dubious law, I provided them with a Colorado address with proof, yet they still refused to process my refund. My total use of XXXX service did not exceed XXXX hours, within their cancellation policy period, which was when I was expecting their response. The truth is, I was charged for a six-month subscription without my knowledge or consent within XXXX minutes of registration. My request for cancellation within their stated XXXX refund policy was ignored. Your claim that I benefited from the purchase is baseless and insulting, without providing the dates of such alleged participation. I have sent you documents where XXXX acknowledged my address change to Colorado but still refused the refund. Your cooperation with XXXX in this fraudulent activity is alarming. I demand a refund either to my New Jersey or Colorado address. The six-month charge is unjustifiable for my limited use of XXXX hours. Your decision to close the dispute without recovering the fraudulent charge is unacceptable. This experience has been extremely difficult to resolve and reflects poorly on your service 's integrity.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Validation Request for Alleged Debt Account Number : XXXX To Whom It May Concern, I am writing requesting that you provide validation of the debt referenced above in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Please provide me with the following information : The name and address of the original creditor. 

The original amount of the debt. 

A complete account history, including all charges, fees, interest, and payments. 

Documentation showing that Credit Collection Services is legally authorized to collect this debt. 

Proof that the statute of limitations has not expired on this account. 

Until you provide the requested validation, I will consider this debt to be disputed, and I will not make any payments. Additionally, I request that you cease all collection activities and stop reporting this debt to any credit reporting agencies until this matter is resolved. 

Please be aware that any failure to comply with this request may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office in my state. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Experian Information Solutions Inc. (AZ)

I recently started banking with Experian using their new checking account. A week after opening my account and depositing, my account gets flagged as XXXX and my transactions are completely blocked. 

I called in XXXX times asking for their XXXX  department and both representatives told me that XXXX not able to contact that department. So I asked them to validate the fraudulent activity is false and I confirmed my XXXX and the transaction attempt and Experian said my account must remain frozen for XXXX hours. 

So because I wanted to go to the grocery store my XXXX XXXX was blocked and now XXXX cant use my money nor contact anyone to help fix the issue. They told me specifically its the system, and we have to wait XXXX hours. 

So now if an emergency comes up, I can not do anything at all because my money is frozen. Horrible user experience. Horrible customer service.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (CA)

I signed up for a loan/lease with Acima in order to pay for an XXXX XXXX XXXX XXXX. And I pay off the loan incrementally after Ive had the item delivered to me. I did this back in XX/XX/2022. Sometime late XXXX. And I was expecting my item at some point while paying off my loan. Its now XX/XX/2022 and I have yet to receive my item and basically am never gon na receive it even though acima is still trying to charge me for the lease/loan. Ive called them repeatedly asking to get the account closed because at this point Im not receiving the item and Im over it. They keep skating by me. Theyve told me to file a police report for my account because that's the " only '' way they can terminate the lease. I filed the police report online and the police didn't accept it. And when I went to the police station to file it in person, the police wouldnt even let me file the report because they thought filing a report was unnecessary. They believed no criminal offense was made, they told me sounds like you just got into bad business. And Ive called acima back asking them to close the account and yet they still wont let me because they need the police report, which I know isnt true. They dont actually need the police report, they can close my account without it. They just dont want to close the account. I've been holding up my end of the bargain in this process. Taking time out of my day to do these police reports and finding some ways to get the account closed and acima isn't holding up their end. I couldnt care less about getting the money back from them. I just want the account closed and this lease/loan off my credit report but acima practically wont let me do that. This is genuinely a bad company who doesnt care about what their customers want, even if theyve been basically scammed. I never got my product despite paying the lease/loan, now I just want the account terminated and this loan off my credit report. Thats all.
Consumer complaint received 2024-08-14
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: CITIBANK, N.A. (AZ)

Reference XXXX. Citibank denied credit based on an invalid derogatory on my credit bureau. They also used an incorrect score of XXXX instead of the other credit bureau scores of XXXX. They did not explain why they used the one score, XXXX, that is 100 points lower than XXXX XXXX and XXXX. I supplied copies of my scores from all three agencies but they did not respond to my questions about the discrepancy.
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (GA)

company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection. 

The law clearly states that : IN GENERAL ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

This agency is in violation of 15 U.S. Code 1692c.
Consumer complaint received 2024-07-08
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: SYNCHRONY FINANCIAL (SC)

I paid off my account in the full amount of {$1600.00} on XXXX  2024. Two months later they said I missed a payment and have hit my credit score. Ive called, emailed and mailed letters with no response.
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I made some XXXX purchases in about XX/XX/XXXX, which was cancelled as the product was taking long. it included XXXX XXXX and hair products. XXXX immediately credit my account and then on my activity statement in XXXX it shows a credit reversal. but guess what fraudulant practice i detected from synchrony they do not let it reflect until after 2 statements. I did not make the payment for thos reversals and spoke to an agent in XXXX and XXXX and she said i still have to pay it. I aksed her why would i pay for a products that has been credited by XXXX and showing in activity but not the statement. " the agent stated how much can you pay today ''? she refuses to addrees the issue or just had no knowldege of services. I was charged a {$40.00} late fee for this, then interest then it started piling up. On XXXX I made my final payment of {$34.00} on a purchase I made in XXXX and forced to close my card. That {$40.00} late fee has been charged late fees on top of late fees till date and now showing {$190.00} dollars which is all fees relating a purchase that was credited by XXXX. I spoke to 2 agents 2 days ago, the 1st one said I can only reverse 1 late fee and transferred me to someone else, the 2nd person just ended the chat. Synchrony I would like to tell you that I WILL not be paying you for charging me a {$40.00} late fee which is now {$190.00} and my card is CLOSED. I will see you in court because I have prove and evidence that XXXX credited me so I was not responsible for paying an amount that has been credited. If the agents are competent they will investigate and find appropriate resources in XXXX and not reaching to this point now. I really highly regret signing up for this Card. I should have just used my own credit cards. I have also stopped shopping at XXXX altogether. 
I do not owe interest on th account. I stated and have prove of your agents on XX/XX/XXXX was to wave the first fee which she did not do. The fees that you are charging me its fees that has been charged additional fees on top of fees. if you carefully pull back the XXXX to XXXX statement XXXX already reversed the item but u chose to post it later to force customers to pay on items that has already been reversed? this illegal practices must stop.
Consumer complaint received 2024-08-11
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: ADIR INTERNATIONAL LLC (NV)

On XXXX XXXX XXXX, I made a payment to bring my account with Curacao up to date. I had received an email on XX/XX/XXXX that my account was behind but it did not mention closing my account or even putting a hold on it. When I attempted to use my account again after noticing that the server had refreshed it to be up to date, it said I needed to reactivate my account. This despite my account showing I had an available balance and no notice being give at any time of my account being closed. I tried to reactivate my account only for them to do a soft pull of my credit and tell me no. Then they said they could either do a hard pull or I could wait 3 months to try again. When I explained that I hadn't been given proper notice they simply said it's in their terms and conditions ( which wouldn't supersede the law ). I then said that I would like to escalate the matter to customer service but the person simply pretended to transfer the call then hung it up. I tried to call back but was immediately connected to the same person. I asked if I had a credit account with them and they said I had an active account but the credit was not active.