davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I used my Navy Federal Credit Union debit card to pay for a service by closets by design ( XXXX ) XXXX. I paid a total of {$7900.00} ; {$3900.00} to XXXX and {$4000.00} remainder to NFCU. I received the {$3900.00} back from XXXX because the company XXXX, did not complete the service and came to install with the incorrect merchandise. I was told by XXXX I had to show proof of cancelation which I did, once they showed up to my house to install with the incorrect products and broken merchandise. I was told by the XXXX manager that I can pay more the incorrect items I actually want, and they can replace the broken merchandise. I told them I wanted to cancel because they started to install the incorrect merchandise and took apart my closet, put holes in my wood floors and walls and did not go over the material before starting the installation. I emailed and called and the vender did not want to refund me or install the correct materials I selected with my sales rep, XXXX, unless I paid additional money. The manager stated in the email and I quote " If XXXX would have called me and told me we were selling the closer at that price point with molding, lucite doors, and sliding mirror included, I wouldn't have allowed it! '' I sent in all the same documentation to XXXX and NFCU and only XXXX  has done their due diligence to help resolve my claim. I re-opened this claim twice with both companies ; XXXX resolved my issue because the merchant did not complete the service. The merchant is stating to NFCU they are attempting to scheduled me for service which they are not, nor tried resolving the issue. NFCU explained I could write a letter for the 3rd time and explain why I believe my claim should be reopened. The email from NFCU states " You were charged for the amount you owed after receiving merchandise or a service ''. I did not receive the merchandise or the service! They're saying it's not considered fraud because I attempted to work with the vender/merchant, even though they did not complete the service. NFCU dispute teams haven't even reached out to me once throughout the time of this dispute ; I've had to call my bank multiple times to hear that either they did not receive my evidence I submitted, to resubmit, they will have an advisor call me, they never called, and that evidence could not be " he say, she say '' however ; because the merchant claimed they attempted to contact me, they can not recoup my funds even if the services were not completed.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX my identity have been stolen from me 4 times. I have an account with Bank of America I noticed charges that I didnt recognize so i immediately contacted my bank and filed a dispute I lost my apartment on XX/XX/XXXX so I would call the claim department to make sure if they needed any documents to support my claim. Now its almost more than 2 months they decided to close my account. Although any claim that I had was absolutely true. 
Unfortunately Bank of America put me through so much pain and suffer that I dont know how to explain.they put my account on restriction although I have not done anything wrong I cant access any of my funds anytime I call them they tell me the account will be closed on XX/XX/XXXX then XX/XX/XXXX. I had a small amount of cash on me so I was able to at least eat. Now Im at the point that I didnt have any money on me I couldnt even get a room I ended up sleeping in my car and I was almost about to XXXX XXXX XXXX XXXX. My cellphone is going to be disconnected because Bank of America doesnt let my phone carrier to withdraw money. My all stuff are in storage and they cant access any payment but it is interesting that they accept my direct deposit. Last time I called them I talked to supervisor and I told her Im breaking what you guys are doing to me is not legal its has been 3 days I havent even been able to eat. I was told they will close my account by XX/XX/XXXXXXXX XXXX XXXX which they havent. XXXX begging you guys please help me out cause they cant treat people like this. Im an alone girl and have no one here I dont know what to do Im so burned out I really need help
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AK)

I was attacked and had my truck, wallet, and phone stolen XX/XX/year>. The person was able to access my phone and using the XXXX XXXX moved my funds from my bank account into the XXXX XXXX account. From there they sent the money to their XXXX party account. 
Over {$7000.00} has been stolen through these transfers. I had meeting with Well Fargo local branch XXXX, who I had checking account with and the started an investigation. I just got of the phone with the Fraud department at Wells Fargo who stated that, they were working with XXXX XXXX and XXXX XXXX decided that they felt transactions were acceptable. 

I also had contacted XXXX XXXX, and they refused to close my cash app account because I could not accurately tell them details of recent transactions. My account I can not access as the thief has changed passwords and everything as they also have taken access to my XXXX account which includes email etc.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (MD)

NFCU bill pay mistakenly sent a biller two payments. The initial payment was XXXX, then two days later they sent the biller another XXXX. I contacted NFCU who directed me to contact the company they contract to do bill pay. I contacted XXXX XXXX who asked if I had contacted the company. I asked them to rectify the matter since they had mistakenly sent out the two payments. They said they contacted the biller. 

I contacted the biller who said they'd never been contacted by NFCU bill pay and it would take approximately 30 days for them to refund the payment. 

I contacted NFCU again to dispute the payment and they stated that they are not able to send out payments so they are not responsible and can not open a dispute. It would be up to bill pay to issue a refund until the biller refunds the mistaken transaction. 

The bill pay company they used stated that the bill pay was set up to send two payments in XXXX but only one in XXXX and one in XXXX. ( That is impossible ). Neither party is willing to accept any responsibility for mistakenly sending money from my account. NFCU said because they use a third party billing system they can neither dispute transactions nor are the funds insured. 

Although NFCU stated that the XXXX XXXX is separate, when you look up the XXXX XXXX  system used by NFCU it shows NFCU endorsing their XXXX XXXX system and encouraging you to get the mobile XXXX XXXX app as well. However, when there is a problem, they deny any responsibility for it.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Even Responsible Finance, Inc. (CA)

The Even app is a mobile app run by XXXX. They offer services such as savings accounts and payday advances which are deducted directly from your paycheck as per their agreement with an employer. In this case, my employer is XXXX. An employee is allowed to borrow against their future paycheck and the deduction will be reflected on the following pay period. For the past 2 weeks, Even has experienced technical glitches which did not allow those deductions to take place. For my pay period ending XX/XX/XXXX a deduction in the amount of {$940.00} was supposed to take place and it did not. After speaking with Even support, I was assured that the issue was resolved so I borrowed from myself again in the amount of {$340.00}. Now for my pay period ending XX/XX/XXXX neither the {$940.00} or the {$340.00} was deducted. I was told again that this money will be taken out of the next pay period. Unfortunately, this puts the grand total at {$1200.00}. My check will not cover that amount which means that this company will deduct my entire paycheck leaving me with zero for at least 2 weeks. I know that with garnishments, a company can not take more than 25 % of an employees take home pay and although this is probably not considered a garnishment, perhaps leaving a person with a zero balance on their paycheck is unethical. I have informed Even that this has caused a financial hardship on me as my rent is due on the time in which they plan to leave me with no money. Although it was their company 's fault, Even has not offered any reasonable solutions. As per my employer, there were 998 people affected by this. That's 998 lives affected. 998 people who will work and go without a paycheck for 1-2 weeks. I tried offering them a payment plan and they said they need full payment. They just do not want to work with me towards a reasonable solution. I have informed them that as of XX/XX/XXXX I officially revoke my authorization to deduct an money from my future paychecks. I can only hope they acknowledge and obey this.
Consumer complaint received 2024-07-12
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 ()

This is the body of the letter I sent to Synchrony on XXXX, XXXX : I am disputing the transactions that were charged fraudulently to my account without my authorization or knowledge. My account was charged in XX/XX/XXXX with multiple transactions amounting to {$3400.00}. 
I did not make or authorize these transactions on my account and I am the victim of identity theft. I reported the identity theft to your company on at least XXXX occasions beginning in XX/XX/XXXX. I reported that I did not make or authorize any of the transactions that amounted to the {$3400.00} balance on my statement. Each time, your agents said it would be resolved. Most of the charges were removed and for some strange reason my account was left with a balance of {$290.00}. I have called you multiple times to try and resolve it. I did not make or authorize any transactions for {$290.00} and this amount should be part of the original fraudulent charges made in XX/XX/XXXX. 
The latest balance was {$510.00} due to added late fees. Despite the many times I have called you to tell you I do not owe this balance because and I am a victim of identity theft you continue to add fees and report late payments to the credit bureaus. Your actions have severely affected my credit due to the XXXX delinquency you reported. This situation is wrong and your company has made it worse. 
I am now asking you to provide proof that I made those charges. Please provide all the receipts, locations, and timestamps of when each of those transactions were made. I will continue to dispute any and all balances on my account since XX/XX/XXXX and will take this matter to the highest extent possible to make it right. 
The other and only fair option is for Synchrony bank to clear all balances from my account and to remove the derogatory late payments reported to the credit bureaus and to restore my great credit standing. Please contact me soon.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Karma (IL)

I was Notified that I was given a {$50.00} Guarantee for a Credit Card Approval by Credit Karma. 
I followed the directions like you see advertised on Television and followed Credit Karmas prompts to fill out the Credit Card Application.

I did so and I was denied the " guaranteed '' Credit Card.

I contacted Credit Karma for my {$50.00} dollars and they took their time so I contacted them again and was given some garbage about Small Print and actually sending all my personal information to the credit card company by fax. WHO DOES THIS TO APPLY FOR A CREDIT CARD THESE DAYS!! 

Total lying, swindling, crooks!!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX Date of Birth : XX/XX/year> SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX consumer report. i have never opened or used the following account numbers : bank : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX I don't recognize the following accounts in question. im a victim of identity theft and dont recognize these accounts on my report.im requesting the following be deleted from my early warnings consumer report immediately! ive attached a copy of the report to this request Thank you for your assistance sincerely. 


XXXX XXXX XXXX
Consumer complaint received 2019-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I attempted to buy concert tickets from an individual and tried to pay with PayPal and transfer the payment upon receipt. Since they were virtual tickets I needed to transfer without a tracking #. After payment the perpetrator did not transfer the tickets. Which I assume could have been a scam from the start. 
I have filed a complaint with XXXX about the following post. XXXX XXXX XXXXXXXX I have filed a police report in XXXX XXXX and want to know what can be requested for account holders placing fraudulent ads. I will be taking the lister to small claims court assuming I can get contact info. 
The # in question is registered via XXXX XXXX. XXXX XXXX : XXXX XXXX : XXXX XXXX, XXXX. 
I have filed a claim with PayPal in an attempt to get contact or bank information for the perpetrator. 
Basically I need FBI or local police to get the contact info from PayPal so I can take the fraudster to small claims court.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime (GA)

I, XXXX XXXX  XXXX Original Creditor and Natural Man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with Drive Time Car Sales Company, XXXX XXXX Drive Time  XX/XX/year>. 

I entered into this contract agreement with Drive Time Car Sales Company, XXXX XXXX Drive Time without : I. Full disclosure of my right to XXXX  XXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 

I have reason to believe that Drive Time Car Sales Company, XXXX XXXX Drive Time willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$1400.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FCC Finance, LLC (FL)

In XX/XX/XXXX I was approved for a personal loan in the amount of {$3600.00} from XXXX. My payments were set up to come out of my checking account Bi-weekly for the amount of {$56.00}. This was a smooth transaction and I had no issues with this company. For some reason unknown to me FCC Finance took over my loan from XXXX on or about XXXX XXXX. I received a Call from FCC Finance around this time to set up a payment schedule as the representative stated that he could not set up a Bi-weekly schedule. We came to an agreement of paying the amount of {$110.00} to automatically be deducted from my checking account each month on the XXXX. The first payment started XX/XX/XXXX Note that I also paid an additional {$56.00} on XX/XX/XXXX and XX/XX/XXXX. Every payment has come out of my account each month on the XXXX of the month but I am getting harassing phone calls about late fees and payments???!!! What? If anything at this point I have over paid. Why am I getting the calls every couple of weeks. I have to go through the whole story over and over and the company representatives acknowledge what I am saying, claim that they note my record and that these calls will stop but they do not stop. They call every couple of weeks and we go through this all over. Today when they called they claimed I okayed a payment setup for today XX/XX/XXXX and wanted to know if today was still a good day to make this payment. NO! I did not authorize this. I have an arrangement setup for the XXXX of every month. At this point I feel like this company is nickel -and- diming me. I am terrified at what this loan will actually end up costing me because of their incompetence at record keeping and billing. At this point I am about ready to stop the automatic withdraws to my account and send them paper checks.
Consumer complaint received 2024-07-11
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: SYNCHRONY FINANCIAL (NC)

Online order placed on XX/XX/XXXX : XXXX XXXX XXXX shipped delivered by : XXXX XXXX never received by me. 
XXXX XXXX refused to provide documentation as to reason for denial of dispute based on " goods not received. '' XX/XX/XXXX A charge for {$120.00} was posted to my XXXX XXXX XXXX account ( Synchrony Bank. ) Disputed charge for reason : " good not received. '' XXXX XXXX email dated 07/11/2024now states can not proceed because I filed a claim with my bank -- I did not the payee is XXXX XXXX XXXX. I did not use a bank card or credit card. 
ALL attempts to reolve this with XXXX XXXX have proved to be futile, unable to contact a XXXX or anyone who will discuss case. 
XXXX XXXX  Customer Service : All emails are sent from a " do not reply '' email address. 
The attached document provides the details of the original dispute with XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I want to make it clear that I don't owe any of the reported debt to the companies reporting it. The original lender for my Federal Student Loan was Federal Student Loan aide, with whom I had an agreement. However, my account has been transferred to Navient, and then it was transferred to XXXX. I've been trying to get information regarding the debt from both Navient, and XXXX, but they have been ignoring all of my written correspondence. They even returned my loan to the original lender at one point, without providing me with the information I requested or responding to me. After XXXX  months of non-response, Navient reported me as late to the credit bureau for a loan for which they can not provide me with the promissory note bearing my signature.
Consumer complaint received 2024-07-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CO)

This is a follow-up to complaint # XXXX : In their response, Aidvantage completely failed to address the most important part of my complaint : that I was unjustly charged roughly {$1400.00} in interest from XX/XX/year> to XXXX of this year. 

Last XXXX, as federal student loan payment deferment was ending, I applied for the SAVE plan. I was immediately approved for the plan by the FSA on studentaid.gov and given a monthly payment of {$10.00}. The matter was then transferred by FSA to Aidvantage, my servicer. 

For a reason they've yet to disclose, Aidvantage immediately placed me in forbearance and kept me in forbearance for several months, despite me reaching out to them several times to find out why they were taking so long to put me on SAVE since I had already been approved by FSA. 

From XX/XX/year> to XXXX of this year, my student loan balance went up from roughly {$66000.00} to over {$68000.00}. This was all interest charged by Aidvantage while they kept my account in forbearance and ignored my complaints despite the fact that I was approved for SAVE the minute I applied in XX/XX/year> by FSA.

Aidvantage was supposed to immediately enroll me in SAVE with a monthly payment of {$10.00}. Had they done so, my interest would not have grown a single dime. It seems incredibly unjust that I had to pay Aidvantage {$1400.00} in interest as a reward for their own incompetence. 

Finally, in XXXX of this year, I re-applied for SAVE on studentaid.gov, was once again immediately approved, and lo and behold immediately placed on the SAVE plan by Aidvantage and charged the proper monthly payment as of this XXXX. Just like it was supposed to have happened the first time I applied last XXXX. 

I demand that all interest charged to my student loan balance since XX/XX/year> be refunded immediately.