davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

Date : XX/XX/XXXX Dear XXXX I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (NY)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

In early XXXX, I called Discover in regards to a credit card program they offered. I was told about a card program that offered 0 % interest on transferred balances until XX/XX/XXXX. They said that as long as the balance was paid off by XXXX of XXXX, then I would not have to pay the deferred interest charges. I told them that this was a great program and I signed up online. I made XXXX balance transfers and it was while I was making these that I was presented with the fact there was a 3 % charge on the transfer. This was never disclosed to me. I decided to pay it as it was still a good deal. It took a while to get the actual card and in late XXXX I called to do a third and final transfer over the phone. I asked the representative if this was the no payment, zero percent interest card until XX/XX/XXXX and they confirmed it. Today ( XX/XX/XXXX ), I saw online that I owed {$280.00} on my balance by XX/XX/XXXX. I called and spoke to supervisor XXXX and she stated that I had agreed to the disclosure when I called in late XXXX. I asked if I could hear the recording as I didn't remember hearing that and/or agreeing to it. She told me she couldn't provide the recording and that I would have to go upon her word. She told me that I could write or fax a request, but their policy was the recordings were for internal use only. I reiterated that the recording is to also protect the customer and that I had a right to hear it since it involved my financial well being. I would like to hear the unedited version of my call.
Consumer complaint received 2024-10-04
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: Early Warning Services, LLC (GA)

Made aware of XXXXXXXX XXXX XXXXXXXX XXXX having fraudulent account open under my identification. Company stated that account was under my identification card but not social and could not provide information. However, Early Warning, XXXX, XXXX XXXX all have record of derogatory account. Can not open bank account with XXXXXXXX XXXX due to fraudulent account. 

Active fraud alert on all credit reports since XXXX No account authorized to be open. 

Updated police report below. Real social security number copy inserted as well.
Consumer complaint received 2024-10-04
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: Early Warning Services, LLC (GA)

On XXXX XXXX, I was informed that multiple banks had accounts under my name located in XXXX XXXX XXXX XXXX XXXX ID was associated with massive fraud. XXXX XXXX XXXX XXXX has violated FCRA 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. 
Unknown email address associated with account. I had no access to the accounts but my name was associated with it along with state Identification. 
I informed XXXX XXXX XXXX XXXX of someone having my information. They stated that the account was closed and it was not reporting against me. The account status is closed with negative balance and reported under my XXXX and Early Warning. Account does not have my social security number.
Consumer complaint received 2024-10-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc. (TN)

Received an alert from cash app regarding my sons account that I was no longer an authorized sponsor. After I logged in using my Face ID the system shutdown and closed the app when I went to re-enter the app it requested to send me a text with a XXXX code to re-enter the account after completing I entered the app, and the next screen stated my account had been closed for violating terms and use. I went to support and was asked to verify how my account is used and I informed them that I use it to send my kids and me and my spouse send funds regarding bills. I also receive and send funds to friends and family for birthdays holidays and if someone may be selling food plates or just in general shopping. customer support could not inform me what exact reason caused the closure of the account it did allow me to withdraw my funds to my primary account and requested that I appeal the decision and that will take 30 days or more.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation (ID)

I had {$XXXX} in transactions that were unauthorized. I waited XXXX  days to receive the provisional credit which was on XXXX XXXX. The provisional credit that was issued to me was only for {$XXXX}. Im missing the {$XXXX} the merchant/bank tells me that that is what I was approved for for the provisional credit
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (KY)

At or around XX/XX/2020 XXXX XXXX  closed my account for suspicious activity. I was told that a third party vendor wire transfered money into my account in the .middle of the night. I did not authorize or have any dealings with this party. XXXX XXXX told me they were closing my account to protect me the customer. Recently I went to apply for a bank account at XXXX XXXX XXXX XXXX all these XXXX later and was denied. I received a copy of my Early Warning System Consumer Report and it states that the account wad closed for Checking Account Fraud. I contacted XXXX  and they told me I have to go thru the dispute process. I had no involvement in this action. Thus contribution reason is false and inaccurate.
Consumer complaint received 2024-11-01
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: 21ST MORTGAGE CORP. (AZ)

I applied in XX/XX/year> and received a preliminary acceptance. Unfortunately I had difficulty with XXXXXXXX XXXX  that required XXXX XXXX and missed the first deadline. I resubmitted in XXXX but ran into a roadblock concerning assessment of my land. Per the information they sent if they were not satisfied they would arrange an assessment at my expense which they never set up. After numerous phone calls were not returned except as email with same instructions I finally spoke to someone at the company who informed me I had again timed out the day before and would have to start again. Since it was not 90 days from my second submission I felt they were not cooperating with me and submitted a request to another company. That company told the seller that they Had not received the request and anyway this lender wouldnt generally grant it for anyone over XXXX. At that point I was stymied since I am XXXX and my spouse is XXXX. She works and I am on a XXXX pension. Our manufactured home was ready for delivery this XXXX  and the builder was available. We have 10 acres of land that we own outright. During this time our county has added regulations that will cost us another {$12000.00}.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/year> My credit card number was used at the XXXX XXXX XXXX XXXXXXXX XXXX to make two separate cash advance withdraws in the amount of {$1000.00} totaling {$2100.00} cash advance taken in the same day, without my authorization or knowledge. I never lost possession of the card. Once notified of the transaction by Wells Fargo, I immediately started a fraud claim which has been denied now 3 times. Wells Fargo is stating that since I never lost possession of the card, I must have authorized the charges. When I spoke to officer XXXX XXXX with the XXXX Police department, he advised that card numbers are often used for fraudulent purposes without needing physical possession of the card. I have submitted my claim for reconsideration with Wells Fargo again and submitted a complaint to their corporate office regarding how this claim is being handled and the lack of research they have done on their end. I have been charged over {$200.00} in interest on the cash advance withdraw alone, and my credit card payment has become astronomical due to these unauthorized charges. Wells Fargo is not helping in taking care of this claim at all.
Consumer complaint received 2015-06-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (VA)

On XX/XX/year>, I was charged for a monthly renewal of XXXX on an account that I had cancelled. I disputed the charge because I had cancelled the account and have a confirmation from XXXX that the account is cancelled ; however, the amount was still debited from my account. I provided the confirmation to Charles Schwab in the dispute. Today, XX/XX/year>, I received notification that my dispute ( Dispute Case # XXXX ) was denied and based on the information provided the reason was : " Cardholder authorization transactions for XXXX subscription services. Subscription was activated and billed multiple times with no prior disputes. '' That has no basis into why I chose to pursue the dispute. I disputed the charge because I cancelled the subscription and I sent that confirmation to Charles Schwab. The information that XXXX provided does not dispute that my account was cancelled, in fact it supports that I my account was STILL CHARGED even though I have a cancel confirmation. Though the amount is relatively small, approximately {$38.00}, the fact that the Schwab 's concludes that a subscription service can continue to charge even after both parties confirm the account was cancelled is unacceptable. If this is not rectified, I will be begin the process of moving my finances to another institute as this shows a severe level of care and thorough investigation.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, a friend of mine XXXX XXXX, sent {$4400.00} to my XXXX XXXX  account # XXXX, and I sent to her Chase bank account # XXXX. 
But Chase refuses to verify it, and give her her money, saying they need to talk to me because they think that it was a fraudulent transaction for some reason but I gave my phone number XXXX times, I also try to call the Chase bank at their client investigation unit at XXXX, But they would not talk to me because I am not the actual account holder. I have had a lot of problems with chase bank in the past so bad that I closed my account. There aren't a lot of people that have severe problems with chase bank for some reason. It took me over a year to get money out of my account the only reason I did was Because I filed a complaint with the CFPB.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Lvnv bought this account from XXXXXXXX XXXX XXXX. I never had an account with this bank. The account was closed out and was reported as positive and with a {$0.00} balance. Lvnv than bought this account and said I owe them {$630.00} as I don't owe them anything. I have submitted numerous documents to them and they are REFUSING to remove this frivolous account from my credit report.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

Chime close my account XX/XX/year>, and Ive been trying to get the money out of my account ever cents. theres {$1300.00} thats in my account and its gone I havent received it I cant log on and they just keep telling me to look for emails and be patient. They sent me the emails but the emails dont talk about the money that they owe me.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the XXXX Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my XXXX account due to various reasons. I have been a XXXX customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with XXXX. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the XXXX authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my XXXX Account, Synchrony also closed the following accounts : XXXX XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Synchrony has tarnished my credit bureau reports and ability to now purchase a home! They need to update my credit report to reflect paid with a {$0.00} balance owed and adjust all balances to {$0.00} due to the severe damages to my credit report that they have caused.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank closed a total of 5 accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the Lowes Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and 15 acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the 4 authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my Lowes Account, Synchrony also closed the following accounts : Sams Club - Account Ending XXXX Closed XX/XX/2024 by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/2024 by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/2024 by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/2024 by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Synchrony has tarnished my credit bureau reports and ability to now purchase a home! They need to update my credit report to reflect paid with a {$0.00} balance owed and adjust all balances to {$0.00} due to the severe damages to my credit report that they have caused.