davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I called Navy Federal customer service Saturday, XX/XX/year>, as my transaction was being declined. I attempted to withdraw cash which was also declined. I reset my debit card pin on the app as well as verbally with a live rep on Saturday. This debit card is new and has never been used. The representative said she would have another card sent to my home, however, that this card may start working and if it does that I may use it until my new debit card arrives. I attempted to use it to withdraw cash back from a transaction at the grocery store ( 4 times ) as it wasnt going through. This withdrew {$1.00} from my checking XXXX times and still declined the transaction. I called Navy Federal today, XX/XX/year>, to discuss the declined transactions/fees associated. Additionally, that XXXX unable to use XXXX in my account at this time. I was calling for clarification on restrictions within my account. I have provided my first and last name, went through the verification portal ( which include the last XXXX of my social security number ), and I also verified the code from the XXXX time passcode provided to me by the representative. After confirming the code, the representative said they were unable to help me because my account is being flagged as restricted. She transferred me to a supervisor in accounts named XXXX XXXX I think ), who was not able to provide any guidance as to why my account is locked/restricted. She stated based on verification and the code reviewed it wont allow further conversation essentially. This doesnt make any sense at all considering I have verified all of my personal details as well as the XXXX time access code. There was no true reasoning as to why other than basically accepts the code or doesnt? That does not make any sense. I was logged into the Navy Federal application while on the phone and I reset my pin while speaking with the supervisor. I have requested to have my identity verified through the app submitting my drivers license, my phone number, signature XXXX times, and a code word. Regardless, this is unacceptable. I need to know why my account is showing restrictions/ why my debit card will not run successfully. A justification that the system received the verified code of XXXX ( which was correct ) yet can not be processed nor can my account me talked about further is absolutely ridiculous. Im extremely disappointed with the service provided as well as being sent a debit card that is potentially defective, however no justification provided as to why I can not prove who I am to discuss further. Absolutely ridiculous.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/year> I signed up to get an XXXXXXXX XXXX XXXX through the XXXX all access program funded by citizen bank. They had me fill out an application for a credit line which they used to purchase and XXXX through XXXX for me. Upon completion I was given an order number to verify my purchase and sign up for a warranty on product. I used the number on XXXX website and the number was not valid for any product. Upon noticing this I immediately spoke with the customer service and requested to cancel the order. I was sent an order cancellation letter. After that I thought everything was fine. Up until two months ago I noticed a charge from citizen bank for XXXX dollars to my bank account. Apparently after I canceled my credit with citizen, they kept my info on file and placed an order the next day on XX/XX/year> for another XXXX without my consent. The order is under a name similar to mine but spelled differently, even the address provided did was just a number different.I tried to verify the order and find who ordered it and the product but the order number for that product was also invalid. Both XXXX and citizen deny and state that I must talk to the other everytime I try to find a solution to this dilemma. They blame each other and have no records of the order and product. They leave me on hold and hang up the phone constantly. I did not purchase anything, everything was done through an application provided by the citizen bank and they used my information to purchase an XXXX from a retailer they cant even track. I dont understand how they do not have any of the receipt information or order number for a product they sponsored. The order number provided is not legit number on XXXX.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I had extensive dental work done 2 years ago. I took a loan from XXXX at 0 % interest. I paidee {$350.00} dollars a month on a {$190.00} payments which I put on automatic payments and I just forgot about it. Looking over my bills yesterday I saw that I have been charged well over {$4000.00} in interest. The rate is exorbitant and unfair! I would never have agreed to pay this interest rate. Buyer BEWARE!
Consumer complaint received 2023-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

I received a collection notice from Caine and Weiner on XX/XX/XXXX. My research on this matter to date indicates that this matter relates to an investment my XXXX XXXX XXXXXXXX XXXX at that time, not a XXXX XXXX  ) after she was referred to XXXX XXXX in the late XXXX 's. This involved XXXX shares of XXXX XXXX, a commercial XXXX  investment. Following our XXXX  in XXXX, this investment and over half my pension plan and other real properties were awarded to my ex-wife pursuant to a QDRO ( qualified domestic relations order ). RanconIV has been the subject of multiple lawsuits. A law firm suing on behalf of Florida residents advised me that XXXX of their causes of action included the fact that XXXX XXXX had no sufficient background or credentials to be selling these securities since he was only an insurance agent at the time.I called Caine and Weiner on XX/XX/XXXX and requested that they forward to me proof that I owe this debt and that I ever gave XXXX XXXX written approval to administer or domicile these funds. By report, my ex-wife has suffered from XXXX XXXX for many years and is in thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This may explain why she has been unaware /unable to deal with this issue.
Consumer complaint received 2024-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

I have discovered multiple errors with my mortgage that consist of the following .... 

Incorrect amounts were allocated improperly for escrow-paid insurance and property tax. Which in turn led to a massive shortage in the escrow account of - {$6500.00} .... ( Although in the same statement, the amount changes 3 times from around XXXX to XXXX .... ) Due to this, the mortgage payments are going up to {$1900.00} per month, which we can not afford presently. We tried to do a loan modification prior to all this so we could manage our payments better, and ended up paying over {$7000.00} on XX/XX/year> which was required to close the escrow account and pay for taxes and insurance on our own. I spoke to different representatives about this who gave the go-ahead to do so. Later, after being ignored this time as well, we apparently were not allowed to close the escrow account even though it was stated that we could. Due to a late payment over the course of 12 months. We did not know this prior to paying such a large sum of money. 

Now in the loan modification agreement, there is a passage included that states a consumer can close the escrow account at any time .... I included this amongst other issues in a notice of error and request for information that I sent last month. Fay Servicing, my loan servicer, will not communicate with me whatsoever. I understand that a servicer has 5 business days to acknowledge receipt of NOE and RFI. They have not done so. 

My mortgage is now in default and I am scared that I will face foreclosure soon. I wanted errors corrected and to receive some information before beginning to try and pay such a large amount every month. I need to now, as of today, pay {$5400.00} to clear the default, which I am trying to raise money for currently .... 

The original loan modification was supposed to make my mortgage payment more affordable, which never even happened, I was just given a bit longer to catch up.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (WI)

I applied for an XXXX XXXX on XX/XX/year>. The current advertised rate for 60 month, used vehicles is 5.49 %. I was approved for a 9.39 % loan at 60 months. I emailed in, and called in to see if this was a mistake, but only was told that is the rate I was given, and there is nothing that can be done. I requested on XX/XX/year> by email, and on XX/XX/year> by phone, information on how to qualify for the advertised rate of 5.49 % but was stonewalled. I would like to formally file a complaint based on my XXXX XXXX XXXX, 100 % on time payment history, 1 % credit/debt ratio, and other credit based factors, of which I have a 20 year history.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OR)

I signed up for Experian 's paid credit monitoring service because recently someone tried to use my identity to open several credit card accounts. In Experian 's description of their paid services they advertise that you will have a dedicated service representative to speak with about cases of fraud and stolen identity but this is false. All the phone numbers that Experian provides send you to an automated loop with an unhelpful chat bot. There are multiple issues with my credit report and they can't be resolved online or with the automated chat bot. So this essentially is preventing me from resolving the issues on my credit report. To make matters worse Experian has been sending me dozens of confusing emails on a daily basis in regards to the disputes I filed. One email will say the dispute is open and another will say its closed or resolved. Then I go look at my report and nothing has changed. I have no idea what is going on with my report or disputes and absolutely no way to talk to a real person about it.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I obtained a copy of my credit report and noticed that there was a charge off Bank of America credit card and other inquiries on my report that I did not authorize. 
I have reached out and spoken with Back of America and they confirmed the charge off was a fraud account. 
I have reached out to all 3 bureaus to have my credit report updated with the accurate information but have had no success. 
This has been going on for almost a year now.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo had been my primary bank for over 10 years. Throughout the last few years, I have continuously reported suspicious activity and disputed transactions on various different occasions. Each time, Wells Fargo denied the claims ( until recent ) and stated I authorized the charges, even though I disputed these transactions and explained I had not authorized. I was sent numerous replacement cards, but they never actually changed my account and only offered to do so when I closed my account. There has been fraud across my checking and savings of Wells Fargo, which lead to fraud across the rest of my credit cards being maxed out due to unauthorized fraudulent use. 

I had a personal loan that had a 24 month term period that included the principal and interest payment for a {$25000.00} loan. I have made payment and the loan continues to grow interest despite the agreement having the interest built in.This loan should be paid off given the amount paid and the agreements, the balance states {$15000.00}.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a credit card with Bank of America and was supposed to receive XXXX points after spending XXXX in 3 months. I noticed in XXXX that I had not received the XXXX promotional points. I contacted Bank of America at the beginning of XXXX and was told to contact XXXX  XXXX to get the promotional offer. I spent over an hour on hold only to be told that I needed to speak with Bank of America again. Bank of America promised to look into the situation and get back with me. About a week later, I contacted them again on XX/XX/year>. I spoke to customer service, then the customer service manager, XXXX, who said I needed to speak with the customer service dept in sales/promotions. The representative, XXXX, said she could not give me the points and her system would not allow me to receive the XXXX credit card charge if i canceled that card. She told me to call XXXX  XXXX again. I asked to speak with a supervisor and was told that XXXX would call me in 24 hours. 
Bank of America claims that I fell short of the XXXX amount around XXXX because I had a return. I have bank statements that show something different. I have also had problems with their billing and website.I will never do business with them again and won't use XXXX  XXXX again. 
They can keep the XXXX points and refund me the XXXX credit card charge from XX/XX/year>. I canceled the card.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a victim of identity theft, I do not identify as any other names. I only identify as XXXX XXXX and my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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: SYNCHRONY FINANCIAL (VA)

I received an email XX/XX/XXXX from an unknown individual for a transaction to XXXX XXXX for the invoice XXXX for the purchase of {$390.00} with XXXX XXXX XXXX XXXX Contacting XXXX XXXX said this could not be indentified as unauthorized activity and they were unable to locate this transaction. They stated they tried to contact me, but I received no message and never contacted me to obtain information needed. Only XXXX XXXX statements had any transaction activity, XX/XX/XXXX and XX/XX/XXXX. All transactions were made with my personal XXXX card. XX/XX/XXXX XXXX sent an email stating " we've completed our review of your unauthorized activity case and we have determined there was no unauthorized use ''. We're unable to locate the transaction. i received nothing further from XXXX. 
In XXXX I received a statement from PayPal Credit, the first XXXX, with a Statement Closing Date : XX/XX/XXXX showing a new balance {$940.00}. When I called XXXX XXXX XXXX XXXX XXXX ) XXXX to notify them I did not have this account, they stated that I must have opened the PayPal Credit account XXXX I opened XXXX in XXXX. I asked them to close this account that was fraudulently opened. After numerous calls to their call centers in the XXXX or XXXX and XXXX months of their statements, there was one particular call. I talked with XXXX individuals, XXXX male individual became rude and surly during our conversation. He asked me to identify myself after conversations with the two other individuals. I gave him my phone number and he replied " that is not the number they have for me ''. Was this why I was not contacted by XXXX? He then requested reprinting of all the account statements from XX/XX/XXXX to XX/XX/XXXX showing all transaction history. When I received this package from their XXXX location, I reviewed these transactions to discover numerous purchases of bitcoins, some cash advances and minimal payments on this account. They have closed the investigations several times, denied the fraud claim several times forcing me to again reopen the claim, sending duplicate responses back identifying the transactions I did not make or authorize. I filed a police report locally, contacted XXXX XXXX # XXXX and notified my credit bureaus of this problem. Another investigatio is ongoing.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (IL)

This is a notice of a Fact. I have made several attempts in Good Faith expressing my concern with the Monthly Periodic Statement issued from Navy Federal Credit Union that is Payable to Navy Federal. The Apparent Face of the Periodic Statement is Defective. That fact is an implied Warranty. Therefore, New Balance Amount is incorrect or incomplete due to Default. The Default to the account payment is attached to card ending in XXXX. I have tried repeatedly to be responsible and have due diligence by Sharing this Important Information to Navy Federal for Correction Managed or Adjusted the Account for its Nature appropriately to stop infringement on the implied warranty to Confirm credit based on the Government Mandated Rate. Navy Federal failure to insure adequate performance in assuring all Payment Requirements being met in accordance to the Agreement leads to insolvency and by law an entry of discharge in bankruptcy. I truly want everyone to feel safe & secure and treated fairly and protected without any penalty in the present & future terms of the Condition. I wish to peacefully correct any wrong doings causing fault to payment and future use.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

SUBJECT : Negligence of Disaster Assistance Offers for Existing Members To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for their negligence in addressing my urgent requests for disaster assistance. Below are the details of my inquiries, which have gone unaddressed and neglected despite waiting the allotted turnaround time for a response : NFCU Inquiry IDs : XXXX XXXX XXXX XXXX ( Previous ) Summary of the Issue : On XX/XX/XXXX, I reached out to NFCU regarding their Special Assistance Programs available for existing members who are victims of Hurricane Beryl. Despite multiple inquiries, NFCU has failed to provide a response or any form of assistance. My specific requests included : Requests for Checking/Savings Accounts : Cancellation of Collections Accounts/Balances : Specifically, for the EveryDay Checking Account ending in XXXX with a negative balance of $ XXXX due to unresolved merchant overage charges. 
Reinstatement and Removal of Account Restriction on OOPS XXXX. 
Waiver/Refund of Monthly Service Charges for all active checking and savings accounts. 
Waiver/Refund of Returned Item Fees on EveryDay Checking - XXXX. 

Requests for Credit Card Accounts : NFCU Special Assistance Request ( XXXX ) for Manual Secured Card Graduation : The account has been open for XXXX months ( opened XX/XX/XXXX ) without graduation, despite a flawless payment history until a late payment occurred due to the disaster. 
Temporary Enrollment in Monthly Payment Waiver for the Credit Card Account ending in XXXX. 
Waive/Refund Late Fees incurred on XX/XX/XXXX. 
Adjustment/Correction for Payment History status reported to credit bureaus for a past due payment from XX/XX/XXXX. 

NFCUs lack of response to my disaster assistance inquiries is unethical and unacceptable, especially considering I am a victim of a FEMA-declared disaster. They have also ignored my previous inquiry from XXXX ( XXXX ) regarding another FEMA disaster . 

This negligence is causing significant financial strain. I urgently request a resolution to all my requests. 

Thank you for your attention. I look forward to your intervention to ensure NFCU provides the necessary assistance. 

Sincerely,
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Synchrony financial closed my XXXX XXXX  with a balance of XXXX today XX/XX/year> without any notice or warning. I've paid on time payments every time, sometimes more than once per month. Last payment was XXXX submitted I believe XX/XX/XXXX ( was posted ), and then another XXXX XX/XX/XXXX, I can't access my account because its saying technical difficulties so they must have booted me because my friend went to the website and saw the login info just fine. I've never missed a payment, always been on time. I still had roughly XXXX XXXX  in credit available to me. They gave no warning, nothing, and just closed my account with an open balance. When I called to ask why, they just say " you are high risk '' with no further explanation. WHAT? I've paid everything on time and usually over the minimum payment, sometimes multiple times per billing cycle. Nothing has changed with my credit lately except that I recently bought a car. I don't think it's fair to do this to someone who's paid everything on time out of no where. I have the cash to pay the balance down if need be but I'm using cash to fund my small business and now this is going to wreck my personal credit. My balance was not over the amount or anything so I'm so confused as to why they would do this randomly with no warning.