davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Fundo LLC (FL)

I received a {$5600.00} merchant cash advance from Fundo, LLC, but they are demanding a payment of {$15000.00}, which is outrageous. There needs to be a law in place to stop these predatory XXXX 's. I was able to make the first weekly payment and I was in constant contact with them when I had to stop the payments due to my XXXX account being suspended, which was my main source of income. I was speaking to someone in their collections department and was about to start a payment arrangement, but then was contacted by their Pre-legal collector instead, demanding more money because they allege that I defaulted on the contract. I never defaulted if I was trying to make payments. I simply sent a letter requesting to stop automatic payments and to revoke power of attorney because my attorney recommended that I revoke it, no company should have that power. 

The Pre-legal collector checked my banks to see that I had no income and agreed to allow me to make smaller payments, then offered an extension when I showed proof of a recent XXXX, not allowing me to work, but they started demanding full payment again and the lowest settlement they would take is {$8500.00}, and I only had a few days to pay. I don't have that kind of money, the entire cash advance went back into the business to obtain inventory which I could no longer sell on XXXX due to account suspension. Now when I try contacting them multiple times, nobody responds. They just filed a UCC lien against me, an individual, not a company, which should also be illegal. Now I can't access the small amount of funds I had during this difficult time. I am XXXX and a hurricane just hit, causing me great loss. These people should not be allowed to destroy people 's lives like this. 

Please see the FTC complaint against RCG Advances, LLC
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am reporting Experian for failing to block and remove fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I am a victim of identity theft and submitted the necessary documentation, including an identity theft report and proof of identity, to request the removal of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has not complied with the FCRA requirement to block and remove the fraudulent information within four business days. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring Experian takes immediate action to remove these fraudulent accounts from my credit file and complies with federal law.
Consumer complaint received 2024-09-05
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. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DC)

I received a text from cashapp stating I made a purchase at XXXX XXXX XXXX XXXX XXXX. for {$19.00}. I called customer service and was laughed at, and mimicked when I asked for a supervisor. I asked the supervisor to listen to the recorded call and to put the money back into my account. I was told that It was nothing she could do while the transaction was still pending. I explained again I had made no transaction with that company. She told me I had to wait until the transaction was no longer in a pending status. The transaction is still pending and I do not have access to my money.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Subject : Urgent Dispute of Unauthorized Collections Dear Experian Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my Experian credit report. I have no knowledge of these accounts and did not authorize them.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are XXXX XXXX XXXX XXXX Creditor XXXX XXXX  Date Opened : XX/XX/2024 Balance : {$420.00} XXXX XXXX XXXX  Creditor : XXXX  Date Opened : XX/XX/2024 Balance : {$390.00} These accounts have adversely impacted my credit score and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

I tried to get my statement from the web site of Citizens One Bank. I have been locked out of this site before for no good reason. Usually I have been able to talk with customer service and resolve my problems I have had to change my password several times. This month I received a email stating that I had a ballance. I tried to go to the web site to get my statement but was locked out again. When I called the number on the card I got a message that the number was no longer in service. I found a customer service number online ( XXXX ) XXXX and was told that my card was compromised and that a new card was being issued. I had not been told or emailed that the account had been compromised so untill I talked with the CS agent today I had no idea there was a problem. I ask for them to send me aa email with my statement and was told that they could only snail mail it. So I asked for my ballance and was told I had charges and intrest and a late fee. I intend to close this account as soon as posible and have paid the charges I reconized today. I feel that the late fees and intrest are not warented and would like them removed also I would like a final statement so I can pay what I owe and be done with Citizens Bank forever.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear XXXX, I previously wrote to you on XX/XX/XXXX, via the Consumer Financial Protection Bureau complaint portal ( Complaint Number : XXXX ) and on XX/XX/XXXX, via the Consumer Financial Protection Bureau complaint portal ( Complaint Number : XXXX ) requesting verification of your claim, by providing me with true and certified copies ( NOT photocopies ) of the Deed of Assignment ( Not the Notice of Assignment ) and Deed of Novation. I also requested the name of the individual who is the duly authorized representative from your company, who has seen the Original Note and is certifying these assignments as certified copies and that your company now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account, and also confirmation of the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.

This verification is required to validate your claim, so that I may settle any financial obligation I might lawfully owe. As you have failed to provide the documentation within the ten ( 10 ) days requested in my last correspondence, we are now in agreement to ; and have a lawfully binding tacit agreement comprising, the following terms : That you are a third party interloper ; That you have no legal standing ; That you have no first-hand knowledge of this matter ; That your claim is fraudulent ; That any damages I suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You have not proven any debt, if you sell the alleged liability, and/or appoint an agent to act on its/your behalf on this matter you will have broken our agreement and you agree to pay the following fee schedule ( 3X what they are claiming ) for dishonoring our agreement, XXXX per hour or part of it of Authorized Representatives time nunc pro tunc, XXXX per recorded delivery or any other form of response nunc pro tunc also any further contact is now not necessary, if however you deem a need to contact me by phone or letter the fee is XXXX per item payable in advance, place the check in the envelope, if no payment is made in advance the fee will rise to XXXX per item and you will also be held culpable for any cost incurred while recovering the debt you owe. 
Yours sincerely,
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OR)

I am writing regarding a concerning matter in my credit file. I have noticed a collection entry from your agency that I was not previously informed about. I have serious doubts about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request validation of this debt. I kindly ask that you provide me with the required validation and address this issue appropriately.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Hello. 
On XXXX XX/XX/XXXX, I created a request to transfer my funds in the amount of {$XXXX} from XXXX XXXX XXXX to XXXX XXXX The correspondent bank was Citibank NA. Citibank blocked my transfer because XXXX was sanctioned. I applied to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a licence to unblock my funds and put them back into my XXXX XXXX account. 

On XXXX XX/XX/XXXX, I received a licence from XXXX to unblock the funds and return them back from Citibank to my account at XXXX XXXX XXXX XXXX XXXX XXXX I forwarded the licence to XXXX XXXX profile department to handle the refund process, they in turn forwarded the licence and the request to Citibank to unblock and refund the funds. To date, Citibank has not returned my funds and does not respond to my requests and does not comment on the status of the return. 

I ask you to sort out this situation and help me to return my funds back to my XXXX XXXX  account.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/year> a payment of {$9300.00} FROM MY SECURED ACCOUNT WAS transferred OUT OF MY CREDIT BUILDER ACCOUNT with CHIME .... THEN AGAIN IN XX/XX/year> ANOTHER PAYMENT OF {$110.00} FROM MY SECURED ACCOUNT POSTED TO WHERE THAT MONEY HAS GONE. N CHIME BANK CHIME FINANCIAL INSTITUTION HAS NOW ON DAY 4 THREATENED TO CLOSE MY ACCOUNT WITHOUT RETURNING MY MONEY.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (NC)

Radius Global Solution LLC reported a debt of {$810.00} to my credit. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KS)

In XXXX of XXXX I made a dispute with chime about transaction that I didn't authorize XX/XX/XXXX of XXXX, from XXXX, XX/XX/XXXX of XXXX from Ask mode and XXXX XXXX for XXXX I was denied for my dispute for these transactions but not giving me a reason why XXXX lady had told me it was for groceries bought in XXXX XXXX which I live in XXXX XXXX XXXX and never got any information even though I kept pursuing the matter now here it is XXXX of XXXX and I had another dispute for chime on a charges from XXXX and the date started on XXXX XXXX charges totalling XXXX I was giving a credit back of XXXX dollars and with my card blocked and the company blocked they were still able to remove funds from my account I have had XXXX rebuttals in which I was supposed to get my money back on the XXXX of XXXX when I received a email stating that I will not receive any funds due to their dispute team said found no unauthorized transactions, in which they received a police report and document from XXXX statements saying I don't have a account with them
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. 

As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

I received a letter in the mail, From TD Bank for XXXX XXXX stating that my account has a past due balance, which it does not as I have auto pay set up. 

I verified my payments have indeed been paid via automatic withdrawals from my bank account on both my banking institution website and my XXXX XXXX account home. 

Additionally, they have charged me a late payment fee. Which should not exist with on-time automatic payments. 

None of my previous statements are available for viewing, aside from the most current one, so I am unable to see how many months I have been charged late fees or other fees. 

I have been trying to contact them via the phone number listed on the website and have spent hours on hold. Nobody ever answers. There is no chat or email option. XXXX searches indicate many other people have this same issue with being unable to make contact with TD bank for XXXX XXXX. Calling other TD Bank divisions is not helpful as the different branches can not see accounts for all TD banking customers. 

I am at a complete loss as they are unreachable and was forced to pay my balance in full to avoid them reporting to the credit bureau that I am delinquent on payments, which they threatened to do in the letter mentioned above. 

I have attached documents showing my most recent statement including a late fee, the letter received indicating late payment and threatening credit reporting, the last few months of withdrawals from my bank account, my finance account showing payment for the most recent billing cycle and my 'unavailable ' past statements.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (OH)

I just received a letter from XXXX XXXX to collect in a target account {$1400.00}. I have disputed this account with target 3 times and they never resolved the fraud issue!!!! 

My card was stolen and used around XXXX time XXXX XXXX The balance is not mine is a result of fraud!!! 

I filed XXXX fraud claims with Target! They never supported or provided the results of their investigation, rather sent me bills!!!! They then sold the account to a collector.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (TX)

I am seeking to transfer all of the funds in my Marcus by Goldman Sachs high yield savings account to a brokerage account at XXXX XXXX and to close out the Marcus account. I placed a request on XX/XX/XXXX which I was told would be completed in 1-3 business days ( XXXX ). As of XX/XX/XXXX, the wire still had not been sent as directed by me. 

I have had more than XXXX different calls with Marcus customer service which each time apologizes and gives me a different story why the wire has not gone out. On certain occasions, I have been promised the wire will be sent the next day which it never is. On other occasions, I have been told that there is a hold on transfers from my account but they can not explain why. 

On XX/XX/XXXX, I was told that Marcus had been unable to verify my account information with XXXX the prior week though Marcus had not contacted me or made me aware of this. I then had a three-way call with a representative from Marcus and a representative from XXXX  where I listened to the account information being verified. I was told, following that call, that Marcus would wire the funds. The funds have still not been sent. On many subsequent calls, I have been told the wire is in the queue, being worked on, and other things of this nature but nobody can tell me why it has not been sent or when it will be sent. 

This money is required for a down payment on a house I am under contract to purchase and if the funds are transferred soon, I will lose the house and incur significant costs due to Marcus ineptitude.
Consumer complaint received 2024-08-21
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: ENOVA INTERNATIONAL, INC. (RI)

I have worked very hard to get my credit to fair/good. I applied for a personal loan with Net Credit and on XXXX XXXX as my score actually went up with experian my transunion score went down XXXX points. I called transition and they gave me your number. I must of gotten over XXXX emails with decisions regarding the loan. I've never been late with payment so it has to be the hard inquiring. I called Net Credit and got nowhere.I put a freeze on my transunion as the other two are fine. Please help me Do I need to unfreeze my report?
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (FL)

Received a promotion email from XXXX that if a signed up for a checking account I would receive a {$100.00} XXXX gift card from XXXX XXXX opened the account months ago.I have phoned and spoke to the bank many times and a case was opened.I was given assurances that I had met all requirements to get this promotion. I was given a complaint number of XXXX and received emails saying case received and someone would resolve this and notify me. 
Also told I should receive email with promotion gift card code. I have checked all spam folders and never received. 
This is fraudulent XXXX ethical behavior by this bank to get customers to sign up and create a bank account with minimum {$500.00} deposit all fraudulently.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/year>, my phone number was stolen which allowed the adversary to perform an account recovery to my Huntington bank online account. They used my stolen phone number as a verification method. The adversary then only a XXXX XXXX  account using my checking account number and transfered close to {$3000.00} to the XXXX XXXX account. I have closed my existing savings and checking accounts at Huntington and reopened a new saving and checkings account. Shortly after noticing these fraudulent charges I contacted the Huntington bank support line and filed a dispute case. On XX/XX/XXXX, I received a letter from Huntington saying those charges were verified and authorized using my stolen phone number. I went to a local branch to discuss this and the clerk was only able to reopen my dispute case.
Consumer complaint received 2024-08-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I have previously disputed the debt, requested validation of the debt from the company, and filed complaints regarding debt collectors attempting to collect money I do not owe. They seized communication, and now they're trying to contact me again for {$280.00}, which I do not owe.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (NC)

I recently check my credit and saw there were some fraudulent accounts that I didnt authorized here are the accounts XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX