davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I was insured with XXXX for automobile insurance for 3 or so years and they all od a sudden decided to raise policy premium rates on me so I got a quote with XXXX XXXX XXXX who was much lower than theirs so I cancelled with XXXX insurance through XXXX courtesy cancellation option they have. I got the letter from XXXX saying my policy is cancelled and that I owed them XXXX dollars ( or else ) from them in a letter. I tried paying them through the XXXX application on my phone which had my card information stored on it but XXXX had blocked that function on their own application. 5 months in on a 6 month policy XXXX decides theyre going to raise rates on my asking for a nerly XXXX dollar increase on my policy for one month. I began to shop for cheaper insurance ( bare in my mind I had no tickets or accidents recently and still have no tickets ). I contacted XXXX XXXX and went through the whole process with an agent and then he said I will be sending you over to someone else who will be finalizing your policy. When I was turned over to her she said " you are no longer eligible for insurance with us XXXX reports you have multiple accidents and you have XXXX points on your DMV report through Florida ) then quickly hangs up on me. Since then I have had a very difficult time getting coverage with other auto insurance companies. I have received the reasons through mail that XXXX is inaccurately reporting to other companies and it is very inaccurate and exaggerated. Florida DMV information is protected information and can only be released if the owner of that information releases it. What XXXX is doing is illegal and very spiteful. They need a full investigation into their business practices and I need to have these XXXX fabricated inaccuracies removed from the consumer report and they need to be prosecuted for violating private information laws protected by the state of Florida
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

On XX/XX/2020 I in house refinanced with the same mortgage company " Sunwest Mortgage company inc. I had XXXX left in my escrow account everything current paid that includes insurance and taxes. They kept XXXX of my escrow account without my approval for corp funds. I question them and they said a mistake was made with the amount on refinancing and that the reasoning for keeping part of my escrow account. The called that a corp funds so they kept part of my escrow.. 

I look forward to your rely and a resolution to my problem.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (MI)

On or around XX/XX/2022 I applied for membership to Navy Federal Credit Union. On the very next day I received an email requesting verification with a link to submit the verifications. The link to submit did not work even days later and other computer systems later, so I called them and was informed of a new link. I submitted the verification documents as requested on the XXXX and I received an email of denial on XX/XX/XXXX and their explanation was that the denial was based on the information submitted. So I decided to be extremely thorough with my next application. Made sure everything was sufficient and triple checked for accuracy. I submitted my second application with them that same night. Figuring that a passport and insurance documents did not meet their standards I decided to submit my drivers license and registration. On XX/XX/2022 I received an email from their credit union stating that they had received my documents and once approved, I will be receiving my membership documents within 10 business days. I applied the first time and got a decision within the first week of applying so on XX/XX/2022 I contacted them to inquire about my application status and to verify if something else was needed to be submitted. I was informed by their representative that they had all the information they needed to complete my application process and that they will be emailing me within a couple days with next steps. By XX/XX/2022 I still had not received any communication from Navy Federal so I contacted them again to re-check my status and to make sure there was nothing more needed to make the process a success. I was informed again that they apologized, there was nothing more to send and I should be receiving an email with membership details within a day or two. On XX/XX/2022 today, I still have not received any information regarding my application so I contact Navy Federal again to find out my status. After being on hold for 20 minutes and leading me on for weeks they come back and tell me I was denied again. I asked to speak with someone to explain to me what could have possibly went wrong when I just was told in my prior conversation with them that everything regarding my application and applying was everything they needed to finalize my application process. Not only did they deny me but they refused to give me a reason or send me an email related to my application status. I am left under the impression that they have met their secret membership quota of my XXXX XXXXXXXX and that is the reason I was denied since their is no other explanation given. I reserve the right to know why I was denied especially since I made sure several times that the application was as accurate as possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

ATTN : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-07-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I have never, missed a payment with XXXXXXXX XXXX and it shows, I have missed a payment, and I disputed it, and nothing was changed. Also the 2 collection company 's on credit report, have wrong information, and I sent experian a copy of the letter from the XXXX XXXX sherrifs office, that the accounts where opened fraudulently. And they still refused to remove them, even after XXXX disputes. I am asking you to please help me get them to remove the items and adjust my score immediately thanks
Consumer complaint received 2022-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I fell behind with my mortgage beginning in XX/XX/2021. I was able to make some payments in XXXX but not sufficient to reinstate my account to a current status. I removed money from my small retirement account but it was not enough with being delinquent with the utilities and other household bills, including a defunct XXXX unit that required repair/replacement. I was hesitant initially to apply for a loss mitigation, thinking that I could get caught up but fell further delinquent. Upon falling 6 months delinquent, I then received a notification of impending foreclosure status if I did not pay the arrears plus over {$1200.00} in legal fees which I did not have in my possession, nor could secure with a loan as my credit is subpar. I have submitted the loss mitigation documents as of XX/XX/XXXX, where my account has been stagnant and no new activity or status update. I have called at least weekly to check the status my account, however was advised to wait XXXX business days but no new updates have occurred. In addition, I advised of my willingness to attain half of the required balance to reduce the liability however was informed that I must remit the entire balance. As of today, I have reached out several times to gain a status update and advise that no new updates regarding my account have been provided, which increases the possibility of my account moving into a pending foreclosure date.
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Here we go as the REVENUE GROUP # XXXX is violation of my Hippa Rights and NEVER PRODCUED any information with support this debt and need to help accountable. I requested the Assignment of Debt, Validation of Debt and Method of verification. 

How can they continue to report this negative information to CA 's with supporting information which is required by the Fair Credit Act and they are in violation of Fair Debt Collection Practice as well. 

Why should I have to wait until they try and collection information that should have had in the first place! If would have paid this account it would have not been a delay with accepting my money ... 

What good is the CFPB if they will not do anything about collection practices of the nature? 

It's been over 60 days I have been dealing with this account, please remove ASAP or find yourself in small claims court where you will be paying me, for violation of my rights.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Has without my consent placed a fraud notification on my credit reports with XXXX XXXX system. USAA Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with XXXX XXXX I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.USAA Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the XXXX XXXX notice placed by Usaa.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

Monterey Financial Services.- ( collection agency ) XX/XX/2021 before we went to Hawaii. This company XXXX  XXXX XXXX is a scam. They will hook you about the {$500.00} gift certificates that they will give if you attent the phone seminar then after that they ask you to be a member and ask you to pay {$1200.00}. They got the {$1200.00} on my checking account but the same day I told them to cancelled. Now Monterey financial is harassing me to pay {$4400.00} and said they will put that to my credit history.XXXX XXXX XXXX and Monterey Financial are business partners base in Hawaii. Check the XXXX  reviews .. a lot of people got scammed.Thank you!
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please refer to case # XXXX ; the case was closed without me adding a response to their response. After reviewing the case #, Capital One updated the account from reporting me delinquent in XXXX and changed it to XXXX after reviewing the case #. This validates that they falsely erred on my credit report. I am now asking to have them forbidden to make any credit reporting on my account or credit rating. We made an agreement for the past two years while I was on their payment plan that my account would not be reported delinquent. I am asking to have them removed from any reporting asap. I am hurt and upset about the backlash I am receiving from Captial One over our disagreement.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (CO)

Venmo froze my account over a month and is holding {$920.00} and not allowing me to access the money. They claim I have violated PayPal policies but have not given me any explanation to what has happened or why it remains frozen. A request for to be contacted was sent XX/XX/XXXX with a response stating that it was escalated to another department and would take 6-7 days to resolve. I sent a reply to that email with no response and nothing has been resolved.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (OK)

On XX/XX/2022, I made a transfer of {$2500.00} to XXXX XXXX on my bank 's website using the Zelle app. I was notified the next morning that the payment could not be completed and the money would be returned to my account in 1-3 business days. I checked my account Friday, XX/XX/2022 to find it was not available. At this time, I called XXXX XXXX to request the refund and I was told it would be another 3 days. On Tuesday, XX/XX/2022, the funds are not in my account and XXXX XXXX is attempting to dispute and recovery my funds. At this time, Zelle is not receiving calls to address issues and there is no way to contact them.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (PA)

I used an atm located at a XXXX XXXX in Philadelphia on XX/XX/XXXX I use XXXX through XXXX they say they use XXXX XXXX an XXXX XXXX uses pay fare Atm is run by XXXX Atm malfunctioned the withdrawal was supposed to be for XXXX money never came out of machine and I was still charge XXXX I made a complaint against XXXX  with the XXXX XXXX XXXX an let bank know what happen so they can file a regulation E Atm company responded to me on XX/XX/XXXX an approved claim I let bank know but they never responded to me I email them Constantly no response I sent them screenshots showing the approval just frustrating because they say they say they dont take calls over the phone for this type of situation they only take emails Ive emailed them plenty of times and have never responded back to me XXXX said money shouldve been in my account 5-7 days they are very Unresponsive and very unprofessional
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.
Consumer complaint received 2021-12-07
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AZ)

We applied for a refinance with Rocket Mortgage XXXX they were our prior lender ). We were approved and signed closing documents. Three weeks after our close date that is listed on the website ( XXXX ) we are told that the refi has not closed ( even though it shows closed and a payment due ) because of a covid attestation question that was not answered, which I answered last week. We are now being told that even though it shows the loan closed we may have to resign at different terms but noone can give me any info. We currently are showing two open mortgages with two payments due. I am beyond frustrated that even though our loan supposedly closed last month and we were to skip our XXXX payment I had to go in and make a payment half way through the month on the OLD loan that was supposed to be paid off. I have still gotten zero resolution to this and it has been 3 weeks since our " second '' loan has closed.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXX 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 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX Comenity Master Card statement had a fraudulent charge from XXXX XXXX Contacted company placed fraud on my account, card was closed and new card issued. 

XXXX XXXX New card received unable to register card, received statement from Comenity with no balance yet {$39.00} late fee. Called Comenity due to system upgrade my account got tied up and unable to access account. Transferred to fraud who stated fraud investigation still ongoing, due to system issues dont be concerned with late payments, they will be eliminated when account is corrected. 

XXXX XXXX Another statement another late fee XXXX balance- Called Comenity still unable to access my account due to system change- no concerns not reporting to agencies late fees and all fees will be removed once system and account is corrected. 

XXXX XXXX Statement late fee, contacted Comenity customer service unable to find Mastercard account in system. Transferred to fraud who could find notes in the old system. Not sure why my account isn't correct escalated to IT from immediate correction call back in a few weeks XXXX XXXX Statement late fee- called fraud department and same issue, however this time they said the fraud was confirmed and I have XXXX balance do not be concerned with late fees all accounts effected will be corrected and balances taken care of a new card issued. 

XXXX XXXX Statement late fees this time credit of 1 late payment and charge of another late payment with 90 day late notification. Customer service can not locate Mastercard account transferred to fraud same story XXXX XXXX Letter from Comentity credit limit was reduced from {$7500.00} to {$750.00} for failure to pay. Contacted Comentity customer service still can not locate Mastercard, transferred to fraud who said this is odd should be fixed going to escalate to the top to be corrected immediately and I will get a letter when corrected. May have to close entire account when corrected to get it back, which seemed odd XXXX XXXX Delinquent reporting on all 3 credit agencies- dropping credit score and now impacting possible parent plus loan on my sons education parent plus loan. 

I have as documented on their records {$0.00} balance on this card as I have not used it in years. The late payments were on the fraud charge on my account and since their system upgrade my account is lost. I have called and mailed monthly since this started, with communication stating this will have no impact on my credit reports. It has now impacted my credit reports and rippling effect.