davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NY)

Looking to get validation of Debt owed from NAVY FEDERAL CREDIT UNION I never got a credit card account with them, Need to get validation of debt owed from them directly because I am confused. Need open date directly from NAVY FEDERAL CREDIT UNION in writing no other place no other creditor but from NAVY FEDERAL CREDIT UNION. I need open date to show proof because if I owe them the debt then I need the original information from them directly. No billing statements but original contract, original documents.
Consumer complaint received 2024-07-17
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: NAVY FEDERAL CREDIT UNION (FL)

Appeal Reason t Navy Federal Credit Union : XXXX ) The charge {$88.00} was for a hotel stay that was not utilized due to the fact that the date of the stay was incorrect AND the number that was given to correct the issue was no good. The phone would just ring and then disconnect. 

XXXX ) What documentation could I provide other than a charge was made that had incorrect dates and the XXXX XXXX number that I was given would ring and disconnect. I never stayed at the hotel as the date was incorrect and with no callback number to rectify the issue. 

XXXX ) I will also be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this incident due to the above facts stated and I believe NFCU did not investigate thoroughly.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (KY)

I was a navy federal credit union member and at one point of time I had lost my wallet which add my debit card and checking and routing number in it. I did end up going to the bank to get a new debit card but after a while someone started using my account with my checking account and routing number and my account started getting overdrawn and it ended up getting over {$1000.00} overdrawn i tried working this out with the credit union but I just couldn't get thru them now i am receiving letter from a collection company stating I owe {$2600.00}.
Consumer complaint received 2024-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to report a potential case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern. 

I was sent an invite to apply for Venture X card from Capital one. 

I previously owned 3 different cards from them and have an outstanding payment history. 

I applied for the venture X card as I was promised the following : XXXX miles bonus for using a certain dollar amount. 

Fee waived for first year. 

I never received the card and kept getting postal mails from them stating different offers. 

I left to be with my mom, out of country and came back later. 

I called in XXXX to find out about my card, talked to an agent for 2 hours and was told that I will be getting a new card, and the two offers, waiving the fee and miles should be in tact. 

I received the card and started using it, the first month I almost made bonus but I had 2 more months to go to make it up. 

In XXXX I get a bill with no miles, late fee and the annual fee. 

They promised to take care of late fee as the agent said they made a mistake. The denied the bonus, thus I told them to refund my fee amounting to {$350.00}. The agent agreed that they will deduct a month and send the rest. 

XXXX XXXX another late fee, as I was counting on the refund, and really rude behavior, I wanted them to check the previous recorded conversations, I even talked to supervisor but all in vain. 

Please advise. I am a jobless student and they are giving me a very hard time. 

XXXX
Consumer complaint received 2024-07-16
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 (MN)

In XX/XX/XXXX I mistakenly paid my monthly of {$5000.00}. Sams Club credit card twice. Because I had received a email of non payment from them. checked my bank statement and found that I did double pay.one payment on XX/XX/XXXX and one payment on XX/XX/XXXX. when I called then. They stated that they did not receive payment on XX/XX/XXXX. So I started to call them back to resolve this issue. One representative did find the mistake on there side and issue me a refund check dated XX/XX/XXXX, But even before I could cash it I received a letter stating that they needed more information and again charge me again the said amount that I overpaid them. Every time I would send them the information. They would send me another letter stating that that was not enough information. By XXXX of XXXX I received a letter stating that they did make the error. I cashed the check that I received in XXXX of XXXX Just to find it charge back on my credit card again. I called back again and was told just to pay the amount above the {$5000.00} which I was doing. Now they are charging me late fees and interest on the amount of {$5000.00}. I have XXXX XXXXXXXX XXXX XXXX and this has been affecting me. Please Help me with this issue. Thanks you in advance.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested information regarding potential mortgage products from The XXXX XXXX XXXX. I was contacted by multiple staff from XXXX. I never at any point authorized any member of The XXXX XXXXXXXX XXXX  to perform a hard pull on my credit. I explicitly advised the lady who called me that I had already been contacted and was already told that XXXX could not help me at this time. I told her I didnt want any hard inquiries on my report. She still ran my report anyway and now I have fraudulent hard inquiries on my report. I have contact the bureaus : XXXX, XXXX and Transunion and they refuse to even investigate this.
Consumer complaint received 2024-07-15
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 (GA)

On XX/XX/XXXX, a loan was taken out in my name in the amount of {$4100.00}. After all the activities that took place, I was scammed for this amount of money ( please see the attached police report ) I contacted my bank and I was provided a provisional credit of {$4100.00} until further investigation. On XX/XX/XXXX, the provisional credit was reversed stating that no error was determined. At the same time {$4100.00} was also reversed out of my checking account leaving my account with a negative balance of {$3200.00}. Then they went into my savings account and took {$3200.00} to satisfy the overdraft from my checking account.. I went to the branch of Navy Federal Credit Union in XXXX on the XXXX of XXXX requesting more information about the loan that I did not initiate and was told that I could not get information. It had to be subpoenad. When I asked certain question about the loan application, I was told that I worked for a company called XXXX XXXX XXXX and that I made {$4300.00} monthly. And my tenure was for 4 years and 3 months. My payroll check is directly deposited into my Navy Federal account every two weeks from XXXX XXXX. I have only been working for them a year. The past 5 years prior, were spent taking care of my mom until she passed away.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX Ca XXXX ] [ XXXX ] [ XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureau Regulation, 12 CFR 1006.34 ( b ) ( 5 ). 

I have identified the following charge-offs reported by XXXX XXXX XXXX XXXX XXXX XXXX credit report that I believe to be inaccurate or incomplete : Account Number : XXXX Date of Charge-Off : XXXX Amount : XXXX Basis for Dispute : 1. Inaccuracy of Information ( FCRA, 15 U.S.C. 1681i ) : According to the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The charge-off information reported by XXXX XXXX XXXX XXXX is inaccurate/incomplete due to [ specific reason, e.g., incorrect balance, dates, or duplicate entries ]. 
2. Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Under the Consumer Financial Protection Bureau Regulation, creditors are required to provide accurate and complete information when reporting debts. I request that XXXX XXXX XXXX XXXX verify the debt and provide me with all documentation regarding the alleged debt, including but not limited to, the original signed agreement and a detailed payment history. 

Action Requested : I request that the credit bureau investigate this matter and remove the inaccurate charge-off entries from my credit report. If the investigation shows that the disputed information is indeed inaccurate or incomplete, please delete or correct the information accordingly. 

Enclosed, please find copies of relevant documents supporting my dispute, including [ list of enclosed documents, e.g., payment records, correspondence with XXXX XXXX XXXX XXXX, etc. ]. Please conduct your investigation and update my credit report to reflect accurate and complete information. 

I expect to hear from you within 30 days, as required by the Fair Credit Reporting Act. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] Make sure to include copies of any relevant documents and send the letter via certified mail to ensure it is received and documented.
Consumer complaint received 2023-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I have a private loan from the XXXX XXXX XXXX XXXX XXXX XXXX  being serviced by Heartland ECSI. I submitted a deferment request XX/XX/XXXX in which the loan would deferred with payment due XX/XX/XXXX. This loan was accumulating late fees on my monthly generated bills. I contacted ECSI 10+ times to address this. I asked why a loan in deferment was accumulating fees. They could not answer me. I asked several times for the Finance Department number and was rejected. I asked for the Finance Department to call me to resolve unwarranted late fees. Multiple times a was assured a ticket had been created. I never received a call. This has been going on for 6 months with multiple hour long plus phone calls with no resolution. The employees in fact agreed, with the signed deferment paperwork, that I should not be accumulating late fees when no payments were due. The responses from the clearly incompetent phone answerers ranged from I it was resolved, dont worry to why dont you have money to pay it to someone will call you within 48 hours. This is absurd that they can charge fees out of contract negotiation. I was told today that they cant take the late fee off of my account due to policy, although they cant explain why I have late fees on an account with a bill that isnt due until XX/XX/XXXX. I was told a ticket was being created and XXXX ( the employee ) refused to provide me a ticket number. I was also refused to be allowed to speak to a supervisor or a representative of the finance department.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XXXX I had discovered I had identity theft on my checking-saving accounts.The total amount was XXXX same day I notified Wells Fargo claims XXXX XXXX XXXXThe claims XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about C.C. XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXX want proof how am I suppose to provide proof when info was stolen... XXXX is not secure as the world is finding out. XXXX sent me an application for a mediator I received a call on XX/XX/year>. Telling me they are not able to help me wrong department. Why send me an application? Giving me the runaround. I have contacted the FTC, CFPB, XXXX, XXXX, FBI, and local media. As of XXXX funds are not recovered.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/year>, my daughter was victim of someone hacking her checking and saving account through XXXX XXXX. She immediately contacted the Navy Federal and notified them of what happen. The advised her to get a new debit card and in XXXX to XXXX business day they would replace her losses. They did state this was temporary until the investigation was over. On XX/XX/year>, they made a decision and went back and withdrew the money from her account. If she had not gone the store that faithful, she would not have any knowledge of the withdrawal transaction. They left her account in the negative stating that the reason for withdrawal was because there was no error committed. So, she filed an appeal on the same day with evidence showing she was hacked. I was told by Navy Federal to remove any money left on that account and put in another account. I did just that to try and keep her money safe. I transferred the money to my savings account because she wasn't able to withdraw it from a branch in XXXX, TX due to hurricane XXXX. My compliant is On XX/XX/year>, Navy Federal withdrew XXXX from my account to make daughter 's account current just because my name is on her account. I understand if this matter was the fault of my daughter, but in this it's not. With them pulling this amount out of my checking account has inconvenience me in paying my bills mainly my mortgage which is XXXX. Being a XXXX XXXX  member I have my setup for the XXXX and XXXX. When I discovered the withdrawal, I immediately contacted Navy Federal and asked if they could reverse the transaction because I need to pay my mortgage and there was an appeal submitted on that account. I was told by the Supervisor there is nothing we can do, and I understand. How do you understand but can't do anything. My daughter called to asked how long the appeal take and she was that it was in process, and it could take a minute because they get a lot these every day. UNSAT. My family having a place to live does not constitute a minute. I am currently looking for another bank to do business with.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX XXXX was stolen from my purse at XXXX XXXX. Police were notified and larceny incident filed. XXXX Credit Card and Wells Fargo Debit card were cancelled within 30 minutes of wallet being stolen. However, perpetrator used credit card and debit card to make purchases at jewelry store before. 
Within a week of my wallet being stolen, I reported my stolen card to my local branch manager. 
In mid XXXX, when I received my Wells Fargo checking account statement, I saw a debit for {$2700.00} on XX/XX/XXXX ( the day my wallet was stolen ) at XXXX XXXX. Again, I met with my local Wells Fargo Branch manager to report the fraudulent use of my debit card. I was told it would take up to 90 days for Wells Fargo to investigate. 
After waiting 90 days, I again met with the local branch manager and was told I would receive a letter from Wells Fargo notifying me of the status of my claim. 
XX/XX/XXXX I went to XXXX XXXX and reported the date of the fraudulent use of my debit card at their store on XX/XX/XXXX. I was told at that time, in addition to using my debit card the perpetrators also charged {$4300.00} on my XXXX credit card. The police were notified and an incident report for the fraudulent use of my debit and credit card was filed. 
In early XXXX, I was asked to meet with a police officer to review a video of the perpetrator using my cards in the jewelry store. It showed a small framed XXXX women wearing a protective mask making purchases with my debit and credit card. 
On XXXX, I received 2 letters from Wells Fargo, one dated XX/XX/XXXX stating my claim was being investigated and one dated XXXX stating my claim was denied. 
On XX/XX/XXXX I wrote a letter to Wells Fargo requesting they reinvestigate my complaint and provided them with the above information.
Consumer complaint received 2024-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I will upload a prepared letter and documentation. It has to do with XXXX  parent 's mortgage and trying to be able to bring payments/account current to avoid foreclosure.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (TX)

XXXX XXXX was serviced by XXXXXXXX XXXX ( XXXX # XXXX ). The loan was on an ACH. 
Loan was transferred to Roundpoint Mortgage Servicing on the day my payment was due and shows as " paid off '' on that date. New loan number is XXXX. 
My ACH was turned off and I was not notified appropriately. I have ACH in place as a " set it and forget it '' mechanism to make sure my payments are on time and in the correct amount. I consider the turning off of my ACH on the day the payment was to set to process ( XXXX, XX/XX/24 ) to be a XXXX issue. My loan went delinquent and I now have a {$120.00} late fee, and I am sure this is impacting my credit.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I received an email from my credit bureau stating that a credit account of mine was closed. I was surprised because I was not notified about it beforehand. When I contacted Synchrony, the representative couldn't provide me with a clear reason for the closure. This unexpected incident has impacted my credit score, especially when I'm working hard to build it up.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.
Consumer complaint received 2024-07-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I experienced a temporary hardship and have applied 3 separate times with you for a consideration of Hardship Application. Each time you have denied me which is unacceptable because you have not made any effort to work with me to keep my home.

Please consider this written formal request for you to perform the following : My intention is to retain my home as my primary residence and I would like to be considered for all options to retain my home. 
I am asking to be put on a XXXX XXXX XXXX  until XX/XX/year> until you can review my mortgage application for the new XXXX. 
I would like to be reviewed for the VASP program  as a last resort