davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

Subject : Complaint Regarding Fraudulent Charges and Navy Federal Credit Union 's Handling of Fraud Claim I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding their handling of a fraud claim involving unauthorized transactions on my debit card, as well as a breach of their stated policies. 

Incident Details : On XX/XX/year>, I reported unauthorized transactions totaling {$900.00} on my NFCU debit card. These transactions occurred at five different establishments in XXXX XXXX, CA. I filed a police report with the XXXX XXXX Police Department ( XXXX ) Financial Crimes Division, provided all relevant information to NFCU, and deactivated my card to prevent further fraudulent activity. 

Despite the evidence I provided, including surveillance photographs from establishments showing an unknown individual using my card, NFCU denied my fraud claim on the grounds that " no error has occurred. '' The bank 's investigation lasted only 2 days, during which I believe a thorough investigation was not conducted. This decision is inconsistent with NFCU 's Zero Liability Policy, which ensures that customers are not held liable for unauthorized transactions. 

Denial of Documentation : In the emails I received notifying me that the provisional credits would be reversed, NFCU included a statement that I " have the right to request documentation used in the decision of this claim. '' I exercised this right by requesting the documentation via phone calls and through NFCU 's messaging center, but my requests were denied. I believe NFCU 's refusal to provide this documentation may be in violation of the Electronic Fund Transfer Act ( EFTA ). This is a clear breach of NFCU 's own policy, which further undermines the credibility of their investigation process. 

Current Situation : Despite the evidence I have provided and NFCU 's failure to comply with their own policy regarding documentation, NFCU has denied my claims and has not provided any transparency regarding their investigation. I am concerned that NFCU is prematurely closing this case without properly considering the evidence or allowing the XXXX to conclude their investigation.
Consumer complaint received 2024-06-12
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. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On approximately XXXX or XX/XX/XXXX of XXXX, I called Bank of America to report fraudulent transactions on my minor child 's bank account that included fake checks and withdrawals from branch locations in California, we live in XXXX. I was told that the transactions would be reported as fraudulent and I placed a hold on the account in question and ordered a new debit card for my primary account. I was under the impression that I performed all of my due diligence as a consumer, and a law-abiding customer with the same bank account for over 19 years. 

On XX/XX/XXXX I attempted to log into my online banking account and was not granted access ; I called Bank of America to be informed that they without notice decided to close my primary bank account and that I wouldn't have access to my funds until the process completed, up to XXXX business days. This left me scrambling to pay bills, and feed my daughter not having any access to my funds. 

After numerous calls to corporate and a visit to my local branch, I still don't have access to my money and there is no information as when I will receive the funds. I have deposited my payroll checks into this account since XXXX and there is ZERO empathy, consideration or recourse for their hasty decision to close my account. In addition to telling me that I won't be able to access any Bank of America products in the future. 

Bank of America has notoriously been unfriendly to communities, however the holding of my cash feels predatory considering funds are insured AND this activity is to no fault of my own. I am working hard to manage my finances and pay bills on time and Bank of America is preventing me from doing so by holding my cash XXXX.
Consumer complaint received 2024-06-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MO)

I sent a letter to SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/year> and they had 30 days by law pursuant to 15 USC 1692g and as of XX/XX/year> they have failed to respond. I requested the following information below in my letter. I also advised them in my letter that, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I am demanding due to no response in a timley matter by law that this item be deleted from my XXXX report immediately were it is reporting. 

XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Please show proof an attorney from your company has reviewed the alleged debt in question that it belongs to me and the amount in question is correct.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of America continued to allow old phone numbers to be able to verify account owner and status, even after I had requested several times to stop and disclosed on at least 20 occasions that the numbers the representatives were going over with me were no longer valid numbers no did they belong to myself any longer so it made zero sense why they did not protect my over 15 times compromised account business and personal. I faxed several documents to outline and support my claims for fraud. They denied my claim yet did not provide any feedback or reason why they do not consider the ability to port an old number belonging to a account holder and at one point in time was used as a contact to the myself and able to confirm verification of identity to gain access to banking information. The ported telephone number can be ported out to a new service and especially a acquaintance or broken-hearted Ex boyfriend can utilize that ported number to gain access to all my private banking and financial information with not just the bank but any of companies, organizations that utilizes phone verification to confirm identity before releasing very personal information. I can follow up with dates but all my paperwork is in storage due to all the fees and force close of my buisness account i am homeless now living in my car
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (TX)

I received an email from aspire saying they sold and transferred my credit card information to a collection agency after saying they charged off the balance. If they charged off the balance, that means they submitted their 1099 form and got paid, then are trying to commit further fraud by selling the paid debt to another company since they have already been reimbursed so they sold it so XXXX XXXX can make money off the debt. I have agreed to no dealings with XXXX and Aspire needs to send proof I signed for this debt they are selling. 
Here is their admission to fraud. 
Dear, Notification of Assignment, Sale and Transfer of Your Credit Card Account The purpose of this notice is to inform you that your Aspire Credit Card account ending in XXXX was sold to XXXX XXXX XXXX XXXX XXXX on or about XX/XX/year> with a balance of {$840.00}. This notice provides you with information regarding this sale and how to contact XXXX XXXX XXXXXXXX XXXX XXXX 

A Few Important Points We charged off your balance of {$840.00} on XX/XX/scrub>XXXX 
Effective immediately, we no longer own your account. Your account is now owned and managed by XXXX XXXX XXXX XXXX XXXX. 
In connection with the sale of your account, we will notify the appropriate consumer reporting agencies of the transfer in ownership. Please allow up to 30 days for the consumer reporting agencies to reflect this change on your credit report. 
Future communications will be from XXXX XXXX XXXX XXXX XXXX. 
We were the only creditor for your Aspire Credit Card prior to the sale of your account to XXXX XXXX XXXX XXXX XXXX. 

Mail your payments to : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX You may reach XXXX XXXX XXXX XXXX XXXX, toll free at XXXX or via their website : XXXX XXXX XXXX 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MEI AUTO FINANCE INC (TX)

There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on 3 separate occasions. XX/XX/XXXXXXXX XXXX XXXX XXXX The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after XXXX on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to me.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

When attending XXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. When contacting XXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX  and they are unable to provide my balance sheets or any financial aid documents. The loans are through Navient and are as such : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Originally {$40000.00} XXXX  XXXX XXXXn XXXX XXXX  | Originally {$9300.00} XXXX  XXXX XXXX XX/XX/XXXX | Originally {$4100.00}. 


In addition during this time, I was a victim of fraud and the documents they provided did not have a valid signature and the information on the application was not viable. 

Lastly, Navient has Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I have XXXX in credit card debt to synchrony bank. I am working with a debt settlement company called XXXX XXXX XXXX, and i am paying them to pay back synchrony bank. I had a transfer to my XXXX account from my bank account for {$1500.00}. Synchrony bank immediately took the money from my XXXX account and put it towards the debt, which i did not authorize them to do. I called synchrony bank on XX/XX/XXXX and explained the situation to them and they said they would send me a check in the mail for the XXXX. The check never came and it is now the XXXX. I called them again and they told me no one put in a request to have the money sent back to me, and they said they would get it done this time. I do not believe they are going to send me this check they are promising me and i need my money back.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2022-02-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (OR)

This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}. 

I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and Cash Central and no one wants to take ownership to resolve this. 

The same day XX/XX/XXXX i sent out registered letters to Cash Central XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX. 
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. (NY)

I was defrauded by someone who convinced me to invest money in the crypto exchange Trust Wallet to trade XXXX. He had me opened an account with a company called XXXX in order to transfer money into Trust Wallet. After opening the account in my name and without adding anyone else, I followed the fraudster 's instructions. I lost {$3500.00}. My complaint is that Trust Wallet allowed this person to access my account by linking it to his portfolio without informing me. Consequently, when I tried to withdraw my funds, they were locked with his, preventing me from retrieving my money. Their excuse is that they operate on a self-custodial basis and do not hold user funds. If they don't hold user funds, where does the money invested in this exchange go? This opaque system needs transparency in its operations. They facilitate fraudsters and thieves.
Consumer complaint received 2023-10-27
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OR)

On XX/XX/2023 I purchased the prepaid XXXX dollar gift card at XXXX XXXX after opening the card I saw that theres no cvv and theres also no chip on the card I contacted the company XXXXprepaid gift balance multiple times the first date I contacted them was on XX/XX/2023 and I was told to activate the account but you cant activate the prepaid card without a cvv, the next day I had called the company and had asked them if they can tell me the cvv number but I was told that they cant access that information. I was upset and stressed because I had experienced a scam without even activating the card.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XXXX. Request - Online Msg to wbstr no Re : Arg acct XXXX I am the fiduciary for my late brothers acct. I have spent a lot if time over the last 3 years running back and forth to the branch. I had enough in XXXX of XXXX to have a fee free acct. After your system conversion, I no longer received stmts and were charged fees. This reduced the balance and fees started to accrue. I do not have enough time or space to go over the myriad of errors made by your " back office '' ( as described to me by branch staff ), over the last 3 yrs. That includes, online banking ( to my surprise it now works ), to the lack of paper statements and the 1 hr plus phone call ( in XXXX ) with a follow-up visit to the bank ( spring of XXXX ). This has been a terrible back office experience. One which should not have happened. And is still happening. 

**** Please Correct & Rebate the following - 1 ) Resume monthly papet statements ( asap ) 2 ) Rebate those service charges over the last 15 months ( I was told the branch could only do 1??? ) I will wait 1 week for a response and correction, prior to contacting, The Banking Commissioner. 

I have been more than patient. System conversions and prior back office errors, should not continue to occur 1 yr later. 

Thx XXXX - reporting to the state of CT. - XX/XX/XXXX They need help with : I'm having a problem with Webster bank. They are giving the run around over service charges that should have been corrected last XX/XX/XXXX. Today I spent 2 hours, got transfer 3 times and then hung up on. They refuse to connect me with an area Mrg or supervisor. 



Thank you, CT.gov Virtual Assistant
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Sophisticated XXXX fraud schemes orchestrated with Chase checking accounts To whom it may concern : I am writing to inform you about fraudulent activities conducted by XXXX XXXX XXXX, XXXX of JPMorgan Chase Bank 's clients. In XXXX, I responded to a social media advertisement for XXXX XXXX, a technology company based in Arizona. 
Here is the details of the incident. 
Following several phone calls and online meetings, I purchased a {$50000.00} license from XXXX XXXX XXXX on XX/XX/year>, via wire transfer from my account at XXXX to my XXXX XXXX XXXX account at Chase. This license was supposed to allow me to deploy XXXX XXXX  for inbound and outbound calls on behalf of businesses, with a promised return of 8 % from businesses ' expenditures on the XXXX XXXX  platform. 
However, it turned out that their claims were fabricated and that this business is known for defrauding clients on a large scale. They knowingly made false promises and pretenses to gain financial gain from clients. 
Unfortunately, XXXX XXXX XXXX has defrauded numerous victims, including myself. The AI agent provided is fundamentally flawed and incapable of performing as promised. Despite our contract guaranteeing an inbound call cost of XXXX cents per minute, the actual cost exceeds XXXX cents per minute. Additionally, recent FCC regulations classify AI bots and cold calling as illegal. Source : https : //www.fcc.govXXXX  The CEO of that company is aware of this declaration and tries to delegitimate this regulation. 
Despite their agreement, which included a money-back guarantee clause, XXXX XXXX XXXXXXXX has repeatedly delayed my refund request, claiming insufficient fundsa tactic reminiscent of a pyramid scheme. Allegedly, they owe over XXXX XXXX in buybacks. 
As a respected financial institution, I expect Chase, who has received multiple complaints about this client before, to assist me in getting my refund through their insurance Furthermore, I request that Chase to discontinue providing financial services to XXXX XXXX XXXX, a knowingly fraudulent business due to their deceptive, criminal and unlawful business practices. 
I have already filed reports with Chase, the FBI, the XXXX XXXX XXXX my local Congressman, FTC, and other relevant authorities at both state and federal levels. 
I have encountered many individuals in the same predicament, and XXXX XXXX XXXX continues to advertise on social media with similar deceptive promises. More victims will inevitably suffer without intervention, and Chase will be indirectly involved in these schemes. 
Attached for your review are supporting documents :