davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CT)

XX/XX/year> - utilized Marcus by Goldman Sachs account to pay first month and security deposit of over {$3600.00} to rental management, this was my first transaction in the account other than funding it. There were no errors with transferring funds, the transfer cleared with Marcus and my rental agency XXXX XXXX XXXX XXXX XX/XX/year>- I attempted payment to same rental agency with second month fees using Marcus account, I received no notices flagging the transaction, no notices of transfer failing, no correspondence at all. 
XX/XX/year> - I received notice from my rental agency saying they did not receive funds for my XX/XX/year> transfer due to account frozen. 
XX/XX/year> - I called into Marcus customer services asking why account was frozen, I verified myself ID with name, DOB, SSN, and a secret passphrase. I was then escalated to the fraud department because they stated they could not verify who I am. The fraud department asked me to verify myself with PIN numbers sent to phone numbers they had in an outdated database that are not in service ( one was my mothers phone number from 10+ years ago, and the other was a number I had no idea about ). Because I could not verify using these numbers, they created a fraud case against me, and stated that they need 3-7 business days to come up with security questions to ask me so I can verify myself. They did not provide a case number, a reasoning behind the case and account freezing, and did not allow me to verify myself in other ways. They told me I had to wait, did not tell me who to contact, if I was going to be contacted, and did not send me any notice regarding the incident. 
XX/XX/year> - I called into Marcus customer service and was able to verify myself with the first support person using name, DOB, SSN, and secret passphrase. I was sent again to the fraud department where they again asked me to verify myself using the same ambiguous and non-existent phone numbers, and because I was not able to do this, they again said I had to wait. I asked to speak to a supervisor, they said they could not do that. They said to call back each of the next 3 days during business hours to reach a supervisor. 

This account is used to send rent payments. I am now nearing 3 weeks of non-payment for my rent, and am being threatened that legal action will occur if I dont pay my rent. There has been no effort on Marcuss end to resolve the case. They are stalling. I understand that Goldman Sachs is trying to get out of consumer banking, and I believe these account freezes ( which are happening across the board to thousands of accounts with Marcus ) are intentional ways for them to relieve themselves of consumer banking indirectly.

I would really appreciate if this was looked into. I am a college graduate with little savings trying to make it on my own and this experience with Marcus is impacting my life, career, and safety.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CO)

Ive deposited a check for XXXX XXXX  for XXXX dollars has XXXX available balance, used it then they took it off, spent 4 days looking for food in the garbage to eat it. 
Keybank let someone from the XXXX XXXX use my card for XXXX dollar + foreign fees, did not get any single fraud message while its international transaction, opened my claim and then denied it on the 10th business day to after that re opening it. 
I told them that im breaking apart numerous times but they didnt really seem to care. 

Im tired and these people have treated me the worse way you could imagine
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TX)

SoFi Bank Checking they restricted my account due to unusual activity as per them but i even asked if i can send them my information to verify myself. I have done it when i first opened it. Im undergoing a medical hardship case XXXX XXXX XXXX XXXX XXXX XXXX  and that money i use for co-pays. I asked them for a reason of my account being restricted and they told me they didnt have to tell me.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX had a joint account with I was the primary on the account I paid the bank by cashing a settlement payment I received. XXXX  closed the account knowing it was my money and bank went gave her the money and closed the account without authorization
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

I applied for a XXXX credit card with no intent to use it unless of emergency. XXXX # XXXX stated my car XXXX  XXXX needed a water pump and a thermostat housing, I then went to XXXX XXXX XXXX and they agreed i needed a water pump but said nothing of a thermostat housing and there was no overheating issues. After a few weeks past, I spoke with XXXX XXXX, the store manager and told him I wanted the water pump but not the thermostat housing as I didn't think it was necessary. that following monday I was able to bring the car into the shop and again reiterated to XXXX XXXX that I did not need the thermostat. Later that afternoon XXXX XXXX informed me that they were installing the water pump and since they had the engine apart would I like them to install the thermostat housing as well. I SAID NO. that was the end of it until I was contacted by the bank, saying I've missed XXXX payments and being assessed late charges. The bank went on to tell me that XXXX # XXXX charged my XXXX credit card XXXX eventhough they were not authorized to do so. to make things worse they charged me without doing the work. I confronted XXXX XXXX who assured me it was a misake, and a full refund would be issue by District Manager ( and cousin ) XXXX XXXX, it's now been more than a month and I have not heard from either nor have I received a refund.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

XX/XX/year> I attempted to add a new wire transfer recipient ( technically an additional account for an existing recipient ). The recipient is an investment fund. When I added the new recipient it said it was unable to add it and that I needed to call to verify my identity. 

When I called they did not ask me for anything to verify my identity and said that I would have to wait 24 to 48 hours to try again, and that my account was under review for security concerns. 

I asked for any detail on XXXX ) how I could identify my identity either over the phone or in a branch XXXX ) what the security concern on my account was XXXX ) why they did not notify me of any concerns. They refused to provide me any information or any means to transfer these funds. They provided no opportunities to identify myself in any way. As a result I may be liable for late fees associated with this transfer.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Complaint Regarding Credit Application Denial - Request for Reconsideration and Issuance of Card Application Number : XXXX Dear PenFed Credit Union, I am writing to express my concern and dissatisfaction with the handling of my recent credit application for the XXXX XXXX XXXX XXXX XXXX. 

I was prequalified for this card through your website, which indicated that I met the necessary criteria for approval. However, when I proceeded to formally apply, I did not receive an instant approval, and a hard inquiry was placed on my XXXX credit report. This inquiry negatively impacted my credit score. 

After waiting, I received a denial letter stating, " We were either unable to obtain a credit file or the file did not reflect credit activity. '' This reasoning is confusing, considering that I was prequalified based on a soft pull of my credit report, which should have provided accurate and sufficient information. There was no active lock on my credit report, so it is unclear why my credit file was not obtained or why it allegedly did not reflect any credit activity. 

This situation raises several questions : How was I able to be prequalified if PenFed now claims that my credit file either wasnt obtained or lacked activity? 
Why did my credit report show sufficient activity for prequalification but not for the formal application? 
Why should I suffer a negative impact on my credit score due to a hard inquiry if the application was mishandled? 
Given these concerns, I request that you reconsider my application and issue the Platinum Rewards Signature Card to me. I expect this reconsideration process to be completed, and the card issued within 30 days. 

I trusted PenFeds prequalification process, which led me to apply with confidence. However, the subsequent denial and the reasons provided have caused significant frustration, particularly with the negative impact on my credit score due to the hard inquiry. 

I hope for a prompt and fair resolution to this issue. Thank you for your attention to this matter, and I look forward to your response.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (ND)

It's a XXXX credit card account. It's a general retail store. I opened an account with them some years ago and whenever I would make a payment, it was withheld until the due date passed so a late fee balance could be incurred on my account.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened a XXXX checking account with Capital One Bank. I attempted to transfer funds from my previous bank " XXXX XXXX '' into my XXXX checking account. Apparently without me knowing my XXXX checking account had already been closed and the funds on the account were locked due to the closing of the account. Capital One considered it suspicious because the funds were returned to the XXXX account which I did own and had rights to. 

Capital One never asked me about anything before closing my checkings, savings, and credit cards which I believe is unfair. The situation should've been investigated before just closing and ending years worth of a positive banking relationship. 

I also had just got approved for a XXXX Capital One card with a credit limit of {$500.00}. So XXXX closed my account and I have a hard hit on my credit for a card I can now no longer use due to a simple mistake / misunderstanding.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, 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 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Southwest Credit Systems, L.P. (PA)

Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.
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: ENOVA INTERNATIONAL, INC. (TX)

Received letter from XXXX stating my application for a credit card had been declined because of negative report provided by XXXX. I DID NOT apply for a XXXX card. When I pulled credit reports I did find the XXXX request on XXXX I called XXXX and they would not provide information about the false application but said they would report the fraud to XXXX. I contacted XXXX and they said I should file this report. I also checked XXXX and XXXX. Neither had a hard inquiry from XXXX but both had XXXX from TAB Bank/Netcredit which I had not applied for. I contacted Netcredit. They would not provide any information about the application and were not cooperative. I called XXXX and they said to file this report and mail them a copy. I have not called XXXX but I assume they will tell me the same thing. I have frozen my account at all XXXX agencies.
Consumer complaint received 2024-07-17
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: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

XXXX XXXX XXXX sent a request for validation of debt to XXXX XXXX XXXX, XXXX and XXXX of Navient Solutions Inc via certified mail on XX/XX/2024. There has been no response to this request as required by 15 USC 1692 g.

Instead Navient Solutions has sent an email to XXXX XXXX XXXX stating that this loan is to be transferred in XX/XX/2024. This company violates 16 CFR 313.7 as they have never provided consumer opt out notices for disclosure of non public information to third parties including reporting agencies. 

Furthermore, this company continues to call XXXX XXXX XXXX for payment for an unvalidated debt. 

UCC-11 search results and certificate for the name XXXX XXXX XXXX state that XXXX XXXX XXXX is not a debtor. 

Should Navient Solutions Inc be collecting Federal Reserve notes for a debt that can not be validated this company is in violation of 15 USC 1692 e ( 2 ).
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Honorable and Respected Officer, I would like to file a complaint regarding the recent rejection of my loan mortgage application from the Bank of America. Unfortunately, their website lacks information on the appeal process or a detailed explanation for the decision. 

To provide context, I am a licensed physician who recently relocated to California with my family to accept a fellowship position at XXXX XXXX XXXX XXXX As we temporarily reside in a small XXXX apartment with our XXXX elementary-aged daughters, I sought an affordable place to live. After an extensive search, I found a suitable property with a selling price of {$290000.00}. 

Excited about the prospect of a better life for my daughters in California, I explored mortgage loan options and came across Bank of America. The lending specialist, XXXX XXXX, was patient and helpful. We proceeded with the necessary steps, including property inspection, appraisal, and opening an escrow, while promptly providing all requested documents. 

However, on XX/XX/XXXX, Bank of America abruptly informed me that my loan application was denied. The sole reason provided was that I am receiving a stipend income as a fellow doctor at XXXX XXXX Disappointingly, they did not offer any alternative solutions to address this issue at that moment. 

I was shocked, distressed, and deeply concerned about our living situation, especially considering the well-being of my young daughters. Unable to comprehend the decision, I could barely respond at that moment. This turn of events also resulted in the loss of a certain amount of my hard-earned money. 

Upon further reflection, I have several questions regarding Bank of America 's decision on my loan application. Firstly, I wonder if their action constitutes discrimination based on my income source. Additionally, I question the knowledge and competence of the underwriter who represented the bank. 

The discriminatory practices and inadequate support from Bank of America have caused unnecessary stress and inconvenience for me and my daughters. 

I kindly request your assistance in investigating this matter and providing clarification on the decision made by Bank of America. I hope other families do not encounter the same problem as mine. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

it is illegal to report transaction history. also in wells fargo pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.