davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to file a formal complaint against Navy Federal Credit Union regarding unauthorized and duplicative charges to my account. Specifically, these issues stem from transactions made with the car rental company XXXX. 

Details of the Complaint : Transaction Dates and Amounts : Initial Transaction : Date : XX/XX/year> Amount : {$2100.00} Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location ( XX/XX/year> - XX/XX/year> ) Second Transaction : Date : XX/XX/year> Amount : {$750.00} Reference : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX location ( XX/XX/year> - XX/XX/year> ) Issue with Pending and Finalized Transactions : When I swipe my debit card for the amount, the money goes into a pending status, making the funds unavailable for spending. 
After three days, if the car rental company does not collect the money, the funds should be made available to me again. However, Navy Federal Credit Union fails to release these funds.

When the car rental company eventually collects the money and the transaction is finalized, I am charged again for the same amount, leading to double charges. 
Amounts and Impact : I was charged {$2100.00} twice and {$750.00} twice. 
This resulted in {$2800.00} being taken from my account twice, causing significant financial stress and hardship. 
Missing Transactions and Ledger Manipulation : I have noticed that these transactions are sometimes removed from the ledger, making it appear as though I am mistaken or confused about my account balance. 
This manipulation of the transaction history has made it incredibly challenging to track my finances and understand the true status of my account. 
Supporting Documentation : I have attached the relevant bank statements and rental invoices from XXXX for your reference. These documents clearly show the duplicative charges and the dates on which they occurred.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NC)

This is in response to a phone call I received from Wellsfargo XX/XX/XXXX XXXXWellsfargo Bank NA sent me a notice that I was enrolled in identity theft protection without my knowledge or consent along with other accounts dating back to XXXX  after reviewing my information. When I called in they found other accounts that were opened checking, savings, HSA, for bill pay, insurance etc without my consent or knowledge. Upon thorough review of the 12 accounts included with dates opened and closed in the offer, namely : - XXXX Bill pay - XXXX Checking - XXXX Savings - XXXX Checking - XXXX Checking - XXXX Checking - XXXX Savings - XXXX Savings - XXXX Identify theft protection - XXXX Identify theft protection - XXXX Insurance - XXXX Wells sent some records for the accounts which some show no signature or identification obtained. Wells responded and claimed they do not see any records or could not find the information. How are they not able to find the accurate records after identifying the issue. it has become evident that the harm caused by the identified cases of identity theft far exceeds the proposed amount. Each of these accounts represents a breach of trust and a significant violation of personal security. The dates shown in the letter detail a pattern of harm and are tied to the decline in my personal information and credit. Identity theft is not merely a financial inconvenience ; it inflicts profound emotional distress and undermines one 's sense of security. The unauthorized access to personal information and financial accounts results in a loss of privacy and exposes individuals to the risk of further exploitation and fraudulent activity. Moreover, the time and resources required to rectify the damage caused by identity theft impose additional burdens and disrupt normalcy in daily life. I would like the company to make me whole and fairly compensate me for this breach of my personal information. They offered me an amount that does not resolve or cure the issue. The company has admitted fault and this issue falls under sales practices which is similar to when the company opened up false checking and savings accounts in the past, this issue also falls under identity theft as there were two insurance account opened up and used from XXXX without my consent.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

I contacted Navy Federal regarding fraudulent charges in XXXX of my accounts initially and only approved pre XXXX who was assisting me that that card be shut down ; when referring to XXXX other charges in XXXX other accounts and telling the associate NOT to shut the card down due to the fact it was tied to major accounts she was silent and when I said hello she said I shut it down it was without my consent, she violated Navy Federal policies by not reading me any disclaimer on the charges inner inquiring about on the second account and wax sarcastic with me in the phone I requested a supervisor and stated it as a XXXX minute hold this is unacceptable mismanagement of customers accounts and poor customer service; and had left me in an posture of not having any cards on a holiday to obtain food for my family, gas or other needs as a XXXX XXXX individual. Per supervisor XXXX XXXX did not file a fraud claim before she shut my card she herself filed it at XXXX pm on XX/XX/XXXX so my card on the second account was shut down without merit. Per XXXX there is no documentation for me to submit since it is fraud unlike a dispute where documentation would need to be submitted. The XXXX XXXX has put me in a position of having my rent payment to decline with them shutting down my XXXX account without permission. Oops should be on both my accounts this has been an issue with it being removed on the past. They offered me a digital card which did not allow me to get gas, get food and in jeopardy of eviction due to the second card.
Consumer complaint received 2024-07-30
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. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (NY)

On XX/XX/2024 I applied for a business credit card at XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX. 
I have been a member for almost a year. I have a business checking account with them along with a personal saving account & a personal checking account. XXXX weeks pass by & I ask for the results of the decision. They could not provide me with one. I continued to contact the relationship banker on this matter until finally after another week & a half, they told me that my application for business credit was denied. I asked for a notice of ADVERSE ACTION ( EXPLAINING THE REASONS FOR THE REJECTION ) They did not reply. After multiple unsuccessful trying to get this letter/notice, I called XXXX customer service & explained to them that my consumer rights where violated by them not providing my letter of ADVERSE ACTION. They then scheduled a in person appointment with the branch XXXX XXXX XXXX. The branch manager called me to tell me that the appointment was cancelled by her & there was no need for us to speak. I told her by law that they was to send me a letter/notice of adverse action within XXXX to XXXX business days after the rejection. She quickly dismissed the subject an hung up the phone. 

This particular bank has violated my consumer rights. 
Date and Time : XXXX, XX/XX/2024 - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX ( XXXX ) XXXX Banker Name : XXXX XXXX Appointment Type : Client Service Confirmation Number : XXXX I need them to provide this information under the law : FCRA section 701 ( d ) ( 6 ) of ECOA The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OR)

I purchased a book from XXXX XXXX XXXX in XXXX. I never received the book. I purchased again in XXXX. When the book was set to arrive the second time, we followed it + found nothing upon delivery notification. No book. No delivery driver. No truck. Nobody. I contacted XXXX XXXX XXXX who told me to check with USPS. USPS did the same. It's always the same dance and nobody does anything. So I disputed it with my credit union like I should but they have started pushing all disputes into this gray area where they demand documentation that does not exist then deny your dispute if you don't submit anything. I would like to ask all involved parties if they have ever been sent anything from a company who couldn't even deliver the item they purchased. Navy Federal has decided that all disputes require documentation and any dispute that doesn't receive it will be denied. That's a racket. I would have liked to known I was joining the mob before I joined it. That feels XXXX and XXXX but whatever.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NM)

XX/XX/year> deposited a payroll check at a XXXX anytime ATM for {$3000.00}. The same amount is deposited at the same time every month for the same amount from the same company. We've never had a NSF fee and we've never had a negative account. We deposit over {$10000.00} a month with this bank. They are saying because we made it at a co-op ATM that they don't know what kind of deposit it was and until the co-op bank releases the funds they can't release the funds. So they gave us a seven day hold date. When we make this deposit in the branch it's a two day hold. There should be no reason they hold it for seven days? We have bills that are going to take our account negative.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I opened up an account with nfcu a restriction was put on my account on XX/XX/XXXX nfcu will not release my funds they told me to file and appeal I filed my appeal on XX/XX/XXXX after nfcu told me on XX/XX/XXXX that I have to wait XXXX business days and the funds would be released back to me I have went into many branches and they told me that the branch banker put my phone number as my social when she opened the account I dont understand how that happened when I gave her my correct information number XXXX number XXXX nfcu should not be able to hold someone funds my lawyer sent out a demand letter the security appeal team responded and stated that they are now working on the appeal it is now XX/XX/XXXX and they have yet to inform me on when my funds will be released I am behind on bills my care is broken down and I have no money I sent them alll documents as requested nothing has been done I call them everyday and they tell me to send a letter in written for my request because they can not verify my social due to the branch banker making multiple profiles with incorrect socials I told them that I would just like for my account to be closed and funds to be released I need my money this is ridiculous my lawyer reached out nothing I reached out nothing I went in the branch over XXXX times still nothing I am facing financial hardship when I dont have to because I have money in the bank that they will not release nfcu representatives are very rude and heartless
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (WA)

On XXXX at XXXX I received a call from a navy fed number ( XXXX ) XXXX, on this call the guy on the other line was pretending to be a navy fed representative and I didn't know he was a scammer. He proceeded to tell me there was fraud activity in my account. and he said he can fix it as long as i provide some information first to verify that I was the owner of the account. He asked for my savings account number. Later that call he told me there was a loan applied for under my name. A personal loan for XXXX dollars. He then continued to try to resolve this problem in my account when in reality he was taking this money from me. He continued to tell me that I had to transfer the money from my account to XXXX  XXXX  so i can pay off this loan and I believed him. so, I was following his steps transferring the money to my XXXX XXXX. once the money was in my XXXX XXXX he then told me to send it back to a navy fed account he gave me the account tag and everything. after that is wasn't working because the payment was to much he then told me to transfer XXXX of the XXXX to XXXX XXXX to then transfer that XXXX XXXX to the same account which worked then he said he'll call me the next day to finish paying back this loan. On XXXX at around XXXX he called again to finish paying this loan back and we went through the same steps as the day prior but with the remaining XXXX  dollars of the XXXX loans. Then he said that there was another loan pulled out for XXXX under my name and that I needed to pay that back at this point I was getting suspicious and he said we can finish it the next day. When I went into work I explained what was going on to my chain of command and they told me I need to go to the branch and talk to them in person. and when I did so they told me it was a scammer calling me all along. Navy fed started their own investigation and as of today XXXX they said that they found no fraud on my account and I am now held liable for this XXXX loan even though I lost all the funds due to extortion and fraud on my account. I never signed for a digital loan I just got extorted to believe I was fixing the problem when I was just making it worst.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I went to the XXXX to purchase some food. I transfer the last balance from XXXX to XXXX XXXX the amount {$28.00} and it that it alway problem with collect of counting funds with both banks to keep from have money available they make yo make as I would not have enough to purchase food. So I started with closing Chase continued have problems with disputes and investigate of disputes and close the account and when I go to Bank the unable to print statements and after review my account it will lock me out my account more then once.
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CO)

My XXXX loan was specifically acquired to attend The XXXX XXXX on XX/XX/04. I can no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I have asked and requested American Education Services many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever. Most recently, from the borrowers defense approval, my federal loans have been completely discharged and credit repaired due to crimes committed my XXXX XXXX XXXX XXXX XXXXXXXX, found guilty in many cases and subsequently closed down. I submitted a school misconduct discharge application for my XXXX private loans and those to have also been discharge and credit repaired. I expect the same for this loan. In this case of all the legal precedence against XXXX XXXX XXXXXXXX, the federal Borrowers Defense approval, my XXXX private loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct. As to date, American Education Services has currently defaulted my loan, which continues to damage my credit, causing undue harm while I'm unemployed, while I await CFPB responses from them addressing the discharge.
Consumer complaint received 2024-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (WA)

Our mortgage company 's loss/draft department are solely to blame for our issue. Not the insurance company or the VA. We had a catastrophic loss of our home and we have cooperated with everything they have asked, but they do not give us the funds we need and have paid out of pocket and taken from our retirement savings, at a heavy tax levied against us, and our personal savings. We had difficulty getting a contractor to over see the work. Our last contractor did nothing for 8 months. Nothing. So we became our own general contractor and got our permits and hired the sub contractors. I am attaching some of the emails we have written. So far we have asked for reimbursement from two contractors for the final completion of the exterior of the house and the excavation company that worked to remove the old burned house and dig/fill utility trenches, and prepare the ground for radon barrier and concrete pour. They did reimburse at least once for our underground plumbing work and the builder completing the outer shell of the house. We have been waiting for 4 weeks for them to pay the final bill to that company.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hi my name is XXXX XXXX XXXX and this is not a third party filing this complaint. Attached I have compiled several documents for your review showing how the following credit reporting agencies are violating my consumer protection rights. Please see attached documents and update the following accounts. 
Violators ; Experian, XXXX XXXX XXXX.
Consumer complaint received 2024-07-01
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: Experian Information Solutions Inc. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.