davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit card — Store credit 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 (PA)

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc Update I need yall to investigate this because yall decision in CFBP XXXX isnt truth I never open a account with yall and the name dont match on my picture id and this is fraudulent please reopen the investigation and investigate again etc Update this account Account ending in XXXX needs to be closed too as fraudulent open I never open and investigate and dispute as unauthorized and fraudulent and dispute the balance I am not responsible for for {$13.00} and waive it to {$0.00} and fully close the account out and stop opening new accounts up for me under new account numbers I didn't authorize for a account look at the attached below etc.
Consumer complaint received 2024-08-12
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: Duvera Billing Services, LLC (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-12
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

Marcus has frozen my account for the second time in 2 months for no apparent reason. They have told me that due to an " issue '' ( which they refuse to clarify ) they are unable to to call or text me on any of the phone numbers I have on file with the bank since the day the account was opened. I have wasted at least 3 hours on the phone and every time their response is the same, due to security measures they are unable to text or call me at the phone numbers I have had on file with the bank since account opening and the only alternative offered is a driver license verification, however apparently Marcus is not set up to be able to verify XXXX drivers licenses. No alternative was offered ( except possibly moving to a different state? ) and the call has been ended each time.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is my SECOND DISPUTEregarding the reporting XXXX XXXX XXXX. 

I am disputing again : XXXX XXXX - # XXXX with a inaccurate balance reporting {$43000.00}. 
Correct the balance on this account or DELETE the entire account from my credit report immediately. 

My question is how can there be a balance for {$43000.00} on an account that has a credit limit of {$5000.00}? 
Equifax XXXX XXXX XXXX should implement reasonable internal controls to prevent the inclusion of facially false information.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I just got me a copy of my credit report and I found some stuff that is not right. From what I have been told, you have to verify anything I think is not right. Please do XXXX of investigations on the account that I listed above and mail me results. On the internet it says you must finish within 30 days, so I will wait until then. The follow needs to be verified : XXXX XXXX XXXX XXXX XXXXXXXX.
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: Early Warning Services, LLC (CA)

I called E

arly Warning Services to opt out of reporting of any personal information and they rejected my verbal and written request.

I requested that they tell me who gave them authorization to furnish data and publish it against my knowledge and they said XXXX  XXXX XXXX did but i did not give XXXX  XXXX XXXX permission to do so. 
If Early Warnings Services states that they were given permission by XXXX XXXX XXXXXXXX to publish my information I demand they prove it. XXXX XXXX XXXXXXXX discloses that they do not disclose my information to non affiliates. So how did the XXXX XXXX XXXXXXXX give you permission if I XXXX XXXX XXXX did not give XXXX XXXX XXXXXXXX the permission to give XXXX XXXX XXXX my information. 

XXXX  XXXX XXXX and EARLY WARNING SERVICES have violated 15 U.S. Codes.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6804 - Rulemaking 15 U.S. Code 6805 - Enforcement XXXX XXXX XXXX has violated their terms with me because they state that they will not report or share any of my personal of information ( which I opted out of ), to non affiliates. Although XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX own Early Warnings Services they are also only investors. Being the case they are still considered non affiliates.

Early Warning Services consumer report that is included in pdf will be my proof of claim that they have my private information without my permission.

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.

16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 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.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NV)

Applied online for credit card with balance transfer option, approved and asked if I wanted to make a transfer. Submitted info for the transfer and it said there was an error. Called CC company and they said I have to wait for the card, took close to an hour before finally getting someone to admit they didn't know why it errored and no way to find out why but now have to wait. 

That is false and misleading as I am unable to complete the transaction today. If I had known this was going to be an issue I would have screenshot the error I received. This account already exists on my account profile and but unable to use. I expected to get it done by making a phone call. Instead got the run around and took close to an hour.
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IL)

I have a couple cards that were sent to collections while I was in college. I have not heard anything more about these cards since XXXX! I have a debt collector XXXX XXXX XXXX XXXX  sending mail to my landlord! I have only received one letter from this company. After further review my credit card company states that another company owns my debt. Its embarrassing that they are sending letters to my landlord with my personal information.
Consumer complaint received 2024-08-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (FL)

To : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Unauthorized Sharing of Financial Information under 15 U.S. Code 6802 Credit Card with account # XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized sharing of my personal financial information by Comenity Capital Bank as outlined under the provisions of 15 U.S. Code 6802, which mandates the protection of consumer financial information.

Upon reviewing my recent financial statements and communications, I have discovered that my personal financial information has been shared with third parties without my explicit consent. This is in direct violation of the aforementioned statute, which requires financial institutions to provide clear notice of their information-sharing practices and obtain consumer consent before sharing nonpublic personal information with non-affiliated third parties. 

As a consumer, I have the right to : XXXX. Receive clear, conspicuous, and accurate notices regarding the sharing of my personal financial information. 
XXXX. Opt-out of having my nonpublic personal information shared with non-affiliated third parties. 
XXXX. Have my financial information handled with strict confidentiality and security measures. 

I request that you immediately cease any further sharing of my personal financial information without my explicit consent and provide me with : XXXX. A detailed explanation of the information shared and the third parties with whom my information was shared.

2. Assurance that all necessary measures have been taken to prevent further unauthorized sharing of my information.

3. Copies of any notices or opt-out disclosures that were supposedly provided to me.

Furthermore, I expect that you will conduct a thorough investigation into this matter and take all necessary corrective actions to ensure compliance with 15 U.S. Code 6802. Please acknowledge receipt of this letter and provide a response within the time frame required by law. If you do not comply with my request within a period time of no more than 30 days, I will file a complaint with the Federal Trade Commission ( FTC ), which has the authority to bring a civil action in a U.S. district court and you will be exposed to a lawsuit. 

Thank you for your prompt attention to this serious matter. I trust that you will handle this issue with the utmost urgency and respect for my privacy rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by Chase bank , XXXX, XXXX XXXX XXXX , the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank /XXXX  XXXX account continue to report with lout authorization or consent for the account to even be opened. This account was open fraudulently during the XXXX pandemic. The company offered not type of relief in the middle of a global pandemic, didnt offer deferment or any type of arrangements, not give relief based on the account being opened without consent.
Consumer complaint received 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AR)

On XX/XX/year> I was falsely XXXX  for 4 days I had went to XXXX  with no phone or any electronic devices as my belonging sheet stated During my false XXXX  which was later cleared my home was burglarized .. my phone was stolen and someone broke into my phone and stole XXXX dollars when I got out I found what happened and I called chase bank to try and recover my money I sent them proof of me being XXXX XXXX XXXX XXXX XXXX XXXX  without any phone services at all I also submitted a letter of my belonging while being XXXX As well as my XXXX XXXXXXXX  chase told me since I had sent money to the person before it meant fraud was not done to my own personal account I appealed it gave them more information as they requested and they still denied me there is no way I can have control over a phone and its apps if Im XXXX  I feel helpless and need my money this day and time XXXX isnt anything to take lightly I need help against big corporations when they know that I couldnt have authorize any type of transactions for that amount and I never have in the history sent anyone that much money.
Consumer complaint received 2024-08-18
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: WELLS FARGO & COMPANY (AZ)

On XX/XX/year> I purchased an item from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX and the store clerk asked me for my email and phone number then used my Visa debit card from Wells Fargo Bank to process the transaction. This is the only item I have purchased from XXXX XXXX in the past few years and the product was only {$10.00}. On XX/XX/year> I noticed a fraudulent charge in my Wells Fargo checking account for the amount of {$860.00} from XXXX XXXX. I quickly called Wells Fargo Bank and disputed the charge. On XX/XX/year> I received a statement from Wells Fargo Bank " We have completed our research onto the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/year>, we will deduct the provisional credit of {$860.00} previously provided to you. Please consider your claim closed. '' I quickly called Wells Fargo and asked why they denied my claim and they said whoever made the purchase from XXXX XXXX had my email, phone number, and credit card number and this counted as proof it was me. I then advised this was not proof, because XXXX XXXX has this information already on file. They still declined the claim and would not budge.
Consumer complaint received 2024-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

With my payment and by means of letters addressed to ONLY my ex-husband they have sent offers, to tap into MY equity of MY property they KNOW I hold the title to. They also send ME emails wanting to know WHERE I live. REALLY? I have never moved. I have never moved in 21 years. I don't even speak to my ex-husband. They are offering me the option of paying them to remove him from the paperwork. Another big REALLY? Do they understand that the man they are offering MY equity to, belongs to XXXX XXXX?
Consumer complaint received 2024-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

Nelnet keeps telling me im late I try and log in and it does not work to apply for the income program I complained Im locked out all NelNet said is I am not locked out OK maybe now I am not HOWEVER now their sites down just another cliche BUT the student is getting harmed by charging me interest and fess and I can not even get on the web site
Consumer complaint received 2024-08-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (OR)

I opened a line of credit with XXXX. Despite making regular payments my request for additional withdrawls against the line were denied multiple times. This put my business in distress. 

Then I found out that the line of credit was not only converted to a 12 month loan with zero notice but that that the ACH pulls on my account were going to be doubled until the loan was paid off.

These pulls put my business in further jeopardy. When I called the company to figure this out I was told point blank : 1. There was no way to excalate my call to a decision maker.

2. There is no way to refinance the balance due.

3. They are going to ding my personal and business credit.

So what am I supposed to do? Allow Goldman Sachs put me out of business? Not acceptable.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Tried to check on the freeze status for the XXXX agencies. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried Experian phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.