davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding deceptive practices and the dissemination of false information during my recent interactions with their customer service representatives. The details of the incident are outlined below : On Friday, XX/XX/2023, I contacted Navy Federal regarding my checking account, which had been charged off for {$510.00}. As I currently only maintain a savings account with them, I deposited a check into my savings account. Although the check eventually cleared and was available in my account, I found myself unable to access any funds or perform transactions. 

During my initial call on XX/XX/XXXX, I was assured by two representatives that settling the charged-off account would enable me to reopen my checking account. Relying on this information, I promptly paid the charged-off amount. However, upon contacting Navy Federal again on the same day, I was informed that I couldn't reopen my checking account due to an additional charged-off XXXX credit card. 

This crucial information was not disclosed during my initial inquiries, leading to a misunderstanding and subsequent financial hardship. Furthermore, despite settling the credit card account as advised, I was later told that I could only reopen my checking account if I set up a payment plan for the credit card, a condition not mentioned in prior conversations. 

These conflicting and inaccurate statements from Navy Federal representatives constitute deceptive practices and have caused significant frustration and inconvenience. I am concerned that such misinformation may be widespread, potentially affecting other consumers and damaging the reputation of Navy Federal Credit Union. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure Navy Federal adheres to ethical business practices, provides accurate information to its customers, and rectifies any harm caused.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (PA)

I have attempted to open up several business accounts with Navy Federal.

Accounts I wanted to open : - Checking Account for my credit monitoring company " XXXX '' ( XXXX ) - XXXX XXXX XXXX XXXX, - Checking Account for my corporation that provides business services to other businesses for example to help minority owned corporations file for their LLC 's, EIN 's, and Help them write business plans, and Corporate structure documents- XXXX XXXX XXXX XXXX Navy Federal is refusing to open the accounts and wont give me a reason why. 

These are minority owned ad focused businesses and we believe that Navy Federal is discriminating by not opening an account and then not giving a reason why.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting XXXX different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter out on XX/XX/2022 to XXXX, XXXX and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (TX)

my current mortgage for the last 10+ years has the interest rate of staggering 5.25 %. I have always been a responsible borrower and made all payments on time. But because of the recent COVID-19 Pandemic, i am financially impacted and its taking a big toll on my budget. I reviewed my financial statement and realized if i can get my interest rate lowered, I can try and bypass these tough financial times to avoid getting into deep XXXX. After calling several times and then finally on XX/XX/2020, In a written request to Arvest central mortgage bank, i requested mortgage relief by lowering my mortgage interest rate so I can continue to make my monthly mortgage payments.XXXX  XXXX then from the financing department contacted me advising me refinancing and offered me pay miserably over {$5000.00} in re-financing cost in order to reduce my monthly interest payment. I then realized they are trying to take advantage of my current misery unfortunately created by this deadly COVID-19 pandemic. and now I am starting this complaint process in the hope, I can get mortgage relief assistance because effort/feedback from Arvest Central mortgage bank has been ZERO with no signs of any help or assistance.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter out on XX/XX/2022 to XXXX, Transunion and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction.

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX US DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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 USC 1681 XXXX. XXXX XXXX  XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX Account Number XXXX Has violated my rights. 


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 ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately XXXX XXXX, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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: Chime Financial Inc (GA)

okay starting on XX/XX/XXXX, i was arrested for an old probation violation. I did not get out of the jail until XX/XX/XXXX. While I was locked up a female that i had let stay at my home that i paid for or rented rather from a family member. broke into my room stole my information and made and received transactions on my account i knew that i had money coming from my income taxes i did give her access to my phone but she had no right to get my debit card or do anything other than what i told her to do on my phone she stole all of my money that was deposited from those months of child tax credit and tax money that deposited she made over XXXX dollars in tranactionds. I provided chime with the proof that they needed in everyway plus some and was even told after the first complaint was filed and dednied to rebuttle it because it was a mistake. I then filed a second time and again got denied I have talked to over 60 people on different occasions. in one day i was on the phone with chime being transfered around over 4 hours of explaining over and over and still got no where. they clIM THEIR IS NO ONE HIGHER UP IN THE CHAIN OF COMMAND THAN THE OTHER. They are very rude got hung up on a few times and now they have closed my account while its pending investigation. I just contacted them once again and got nno where tol me to go to XXXX. This is scary and they have no problem with it also I had this account for five years maybe 6 and the other time i had didputed something cause i left my debit card on the register at a department store it got used during the middle of the night and drained and they didnt dio anything but one of those three transactions. they are not what they should be representing them selves to be.
Consumer complaint received 2023-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

At the end of XXXX I received my tax statement in the amount of XXXX I called the XXXX XXXX XXXX XXXX in South Carolina to inform them that their assessment was incorrect., the office corrected the issue and sent a corrected copy of XXXX which I forward to Freedom Mortgage on XX/XX/XXXX. According to my mortgage statement that was due XX/XX/XXXX I had an escrow of XXXX. I received a escrow check in the amount of XXXX which was returned voided back to Freedom Mortgage. For my XXXX statement was due for XX/XX/XXXX my escrow was XXXX I then called Freedom mortgage and asked the why did they send the incorrect amount to my county tax office when the corrected copy was sent on the XXXX of XXXX the answer that I got was " The company sent over a million dollars  out to pay customer escrow taxes on XX/XX/XXXX '' I responded that they had plenty of time to correct the error and I wanted it fix I have insurance due as well. I was told that they are working on it I called back and the issue was not fixed I spoke with a supervisor named XXXX that admitted that the company was in error and that my county has all the money and they are waiting for the county to return the unused portion which could take up to 90 days I called my tax office and I was told " The tax office only accepted the XXXX.and that XXXX  which is the finance institute that does the distributing of funds for the company has the excess monies. so that mean the company has their monies. I " m paying this company back a negative escrow on money that they have. So in all retrospect they have their money and is keeping my escrow account hostage for ransom. That is beyond criminal.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (FL)

I did a refinance of my mortgage with Sprout wholesale. It is a conventional loan. The loan was XXXX on XX/XX/2020 and the lender scheduled the closing for XX/XX/2020. Because it is a refinance, they were supposed to fund this loan on XX/XX/2020. As of today XX/XX/2020 at XXXX XXXX they have not funded the loan and what is worst, they are not even telling my mortgage broker when will they fund the loan. I am attaching an email chain between my mortgage broker and them. What will happen if my current lender decides to report me to the credit bureaus because they have not receive my payment from XXXX? 
According to my mortgage broker, Sprout is doing this all over the US, so it seems to be a problem with their credit lines. In the meantime they keep receiving new applications from clients that do not know what is going on with that firm. Avoiding this type of ponzy schemes and protecting the consumer, isn't what the CFPB is for? 
Please help, it is not right for a financial firm to behave like this and do not correspond with their clients.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

First i had a problem tranferring XXXX dollars from my marcus goldmsn sachs savings account. Called them they sent XXXX dugit code verification i did thst they released the transfer XXXX XXXX to my XXXX  thrn i initiated a XXXX transfer and now locked my account a XXXX time and have to mail notorized verification of identity. And i can not access my money anf need it to live on.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX  and Transunion are all reporting multiple inaccurate information about me via my credit reports. I have sent them multiple certified mail pieces and called multiple times, seems to have a problem providing me with how they are verifying any accounts. my credit was hacked and i have been trying to get them to cooperate
Consumer complaint received 2024-03-19
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. (MD)

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. 

has violated my rights. Or a list of inquiries : 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 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

XXXX XXXX company had my original loan for my property in XX/XX/2020. I have been paying them each month up until XX/XX/2020. Lakeview loan servicing notified me XXXX saying they had bought the loan from XXXX XX/XX/2020. Both companies claimed they owned the loan. Finally XX/XX/2020 XXXX said Lakeview owns the loan and will send over all payments they have received. It is now XX/XX/2020, Lakeview still has not received the payments and will be sending collection and report to Credit. I have sent Lakeview documents and statements of my payments to  XXXX. This has being going on for over a month and it will affect me negatively Credit wise