davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I submitted a mortgage refinance application to Navy Federal Credit Union ( NFCU ) in XX/XX/2020. As of XX/XX/2020, I still have no timeline for when closing might happen. 

The current mortgage is with NFCU and I have had five or more mortgages with NFCU over the years. I have never missed a mortgage payment ( 100 % on time payment history ). My credit rating is excellent and my assets are multiples of the refinance loan amount. My income is more than sufficient with a low debt-to-income ratio and a very low loan to value ( <30 % ) ratio. 

The process has been lengthy. The loan processor has been unresponsive at times and takes up to a week or longer to reply to requests for status on the application. 
The loan processor has also been unprofessional and acts as though he is the customer. There have been multiple requests for the same documentation because of disorganization on the part of the processor. 

The latest Loan Estimate incorrectly includes charges for items that were not required ( {$490.00} appraisal when the appraisal was waived ). The loan estimate also includes charges for items that I paid for already directly ( {$120.00} condominium questionnaire that I obtained and paid for directly ). It also includes an inflated loan payoff that does not reflect principal payments made during the application period. All of these items were brought to NFCU 's attention the last time I was asked to sign a loan estimate and have not been corrected. 

I understand that volume is very high, but this is ridiculous.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (NJ)

Do you have a contract proving that these accounts held me contractually liable to pay to your company? Please provide any contract that you have. This is in violation of my consumer rights and the FDCPA/Federal Rules of Civil Procedures. This is also in violation of HIPAA law to report. Please consider this final notice and remove any entries on my credit. I have no knowledge of have any contractual obligations to you or your company.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Stark Collection Agency, Inc. (WI)

I received a call and all they would state is they had a personal matter for XXXX XXXX They asked if my birthdate was in XXXX. They did not state who they were and would not answer that and wanted me to finish my full date of birth if I was XXXX XXXX When I refused as I stated I had no clue who they were and don't feel comfortable giving my personal information out, the caller ( female ) got extremely rude to me. And in a yelling tone kept harassing me as to if I'm XXXX XXXX and what is my full date of birth. She then asked where I lived. I said I'm not answering that either. She asked if I ever lived at a former address she noted. I said until you tell me who you are, I'm not answering any of your questions. She would not state who she was ( what company she worked for ).  She got extremely rude at that point, raising her voice and ridiculed me, continued to harrass me for personal information. She has since called again and continues with her rude tone asking for my full date of birth. 
I called to complain and the person that answered stood behind their employee and did nothing. They are now harassing me via email. 
She is from the Stark Collection Agency.
Consumer complaint received 2020-08-28
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. (PA)

This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, XXXX, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on experian, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the XXXX data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

At the beginning of the year our loan with Wells Fargo Mortgage was sold to XXXX XXXX XXXX XXXXXXXX We purchased the home in XXXX, for XXXX. We became unemployed in XXXX of XXXX an fell behind on our mortgage. We got help from SC Help and brought everything current. When we were informed the mortgage had been sold and we received the information from the new servicer, we noticed a balance of XXXX. We inquired as why we had XXXX addition and were told that there was a deferred principal amount when the loan was purchased. We argued with Wells, in the past, about a mysterious interest amount we were seeing on our statements. We've been paying for 12 years and we owe more than when we started. Anything that was outstanding during the time of our need, SC Help brought into current status. Our balance should be aroundXXXX. 
Sincerely, Mr. XXXX P/s I tried to locate SC Help but was not able to contact them since they are no longer operating.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

This company willfully and knowingly have violated my federal consumer rights, I never consented to this company having my personal information, that's an infringement on my right to privacy. This company reported unverified and inaccurate information to the credit reporting agencies. I, consumer requested validation of debt of this debt from Resurgent Capital/LVNV Funding and did not receive the validation of debt according to FDCPA. This company deleted the alleged debt because of wrongful activity.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (LA)

Equifax responded to a letter I sent them with a letter conformation # XXXX, the letter states that XXXX XXXX XXXX is not reporting. But the website and customer service is stating that XXXX XXXX XXXX is still on my report. They stated on the phone that somethings wrong left me on hold for 30 mins and hung up.
Consumer complaint received 2021-08-24
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: CURO Intermediate Holdings (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ad Astra Recovery Services , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-08-24
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: MAJR Financial Corp (PA)

On XX/XX/20 Majr Financial Corp.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was a victim of a natural disaster Hurricane Ian in Florida, my home was torn down and we were forced to vacate and live out of a hotel almost for months. The creditors were advised of happened and the situation about my home. They have been working with me up until recently. I advised once my insurance claim is taken care of since I have had to pay everything out of pocket everything will be paid. No problem. But all the creditors have reported my accounts as charge offs and not as Natural Disasters as that would not affect me like they have it reporting and I have disputed over and over, with the creditors and agencies, I have sent all the required documents in the mail as stated. They confirmed receipt of everything including the court information related to the Hurricane. I am asking that they fix my reports so that the charge off and reflect them to show as Natural Disaster since they have the code due to delinquent of Natural Disaster where it won't affect me. This has been an ongoing situation, since they started reporting me back in XXXX  while I was living out of a hotel. And spending hours a day dealing with this issue.
Consumer complaint received 2024-08-23
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. (NC)

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 2020-08-28
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 — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

PROBLEM IS WITH B.O.A. ( bank of America ) 1 XXXX XXXX paid for Future cruise deposit to XXXX XXXX XXXX total amount {$600.00}. Paid for by debit card, number ending in # XXXX 2 Last week in XX/XX/2015 debit card ending in # XXXX was stolen, subsequently requested new card which was issued with of course another number!!!!! 
3 XXXX XXXX cancelled my ( our ) future trip and requested that the {$600.00} to be deposited in my XXXX account with XXXX. ( XXXX XXXX XXXX  ) to be used for future travel. 
4 XXXX XXXX requested XXXX. to refund my money which was going to be deposited to my old debit card number. pointed out that this card was not valid anymore, was told not to worry because Mastercard/B.O.A would take care of this! 
5 No credit received by XXXX XXXX, subsequently wrote letter to XXXX. 
corp. office which responded informing me that money was indeed transferred to my mastercard ending in # XXXX ( see attachment 1 ) 6 XXXX XXXX filed claim with claims department B.O.A.confirmed but claim was processed on my wife 's name who never talked to any claim repr. ( see attachtment ) 7 Called and wrote to B.O.A. pointing out their mistake ( see att ) ( no response ) 8 Contacted XXXX. in beginning of XXXX to request transaction numbers send y email ( see att ) 9 Contacted B.O.A. claims department requesting further investigation provided transaction numbers ( see call sheet att. ) XXXX XXXX-XXXX 10 XX/XX/XXXX was informed nothing could be done. ( see callsheet att ) This is where the problem stands today, having been a customer of B.O.A. for well over 19 years they treat me as a piece of " XXXX '' As you can imagine I am thoroughly disgusted with this so called banking institution being proud on their so called customer service. If we were talking about a {$10.00} amount I would gladly donate to B.O.A. so their profits would be a little bigger than XXXX XXXX dollars plus for XXXX.but {$600.00} is just too much for my banking friends My dad taught me expect the " XXXX XXXX '' but never accept it!!!!! 

Really hope you can solve this issue for me. 

thank you
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

*NOT A DUPLICATE**NOT A DUPLICATE***NOT A DUPLICATE**** ****READ BEFORE CLOSING***READ BEFORE CLOSING**READ BEFORE CLOSING* THE ORIGINAL DEBT WITH WFDS WAS CHARGED OFF BY ME ON XX/XX/2015, YET THIS ACCOUNT INACCURATELY SHOWS THE ACCOUNT AS OPEN/UNSATISFIED. Complainants Information : XXXX.XXXX.XXXX. XXXX XXXX-XXXX-VA-XXXX.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (PR)

I initiated a transfer from XXXX XXXX  in XXXX XXXX to Discover on XX/XX/XXXX of XXXX . Due to an error on Discover 's part, all of my funds were attempted to be transfered. Discover retries the transfer, but since XXXX XXXX had already initiated the transfer, the account appeared as though it had a negative balance, causing the transfer attemp to fail. On XXXX XXXX, discover initiates a return, however they use an incorrect routing number for this return. The routing number used was for XXXX XXXX in the XXXX XXXX. Can I please get help with this? I need my funds to be transferred to the correct account at the correct bank. My account number for Discover ends in XXXX.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Ive been banking with Wells Fargo for two years.

Seems like money is being transferred and put on another shelf. Ive tried to look into this with bankers many times only to be told Im causing a scene when Im asking about it and threatened to have me removed from the building.

Ive noticed several things including purchases that come out same day and then come out a few days later as well. The actual day of purchase is then removed and covered up.

I have record of them charging me over {$1000.00} for purchasing a sheet of checks.

I have purchases for apps I dont use.

Many times Ill notice previous places Ive gone to and purchases seem to revolve. 

I closed my other account recently due to insurance payments getting doubled and taken out on a reaccuring state. Its draining my account. 

I just caught them and disputed the charge successfully. But was not credited the late fee assessed. 

On my last web account the dispute button was disabled so I had to walk into the store. The bankers dont fix the errors. 
My phones being managed. While making this report I had to change my password just to re log in and make another dispute. 

When I consider the big picture it doesnt seem like the totals are accurate. Money coming in and money going out are offset. I received a loan and part of the money was transferred from my business account. Its hard to keep track of the details this way. 

Please see attached some specific details and evidence ...
Consumer complaint received 2023-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (VA)

Hi, I got a {$350.00} dollars bill from XXXX XXXX XXXX, this is wrong as I am insured and it is not the first time this happens, last time I called the Dr 's office and asked to check with my insurance and yes it was corrected, in this occasion when I called the office it was too late and now I am trying to fix this with you.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

THERE IS A ACTIVE DISPUTE ON A CHARGE FROM XXXX XXXX  IN XXXX XXXX  XXXX TX. 
I CALL THE BANK AND SHARED WITH THEM WHAT HAPPEN. 
THEY SAID CONTACT THE MERCHANT SO I DID. 
I ALSO FILED A COMPLAINT WITH THE CORP HEADQUARTERS FOR THE RESTAURANT. 
I HAVE HEAD NOTHING BUT HARD TIMES DUE TO THIS ON GOING ISSUE. 
MY CARD WAS CANCELED AND THEY REISSUED ANOTHER CARD WITH OUT TELLING ME THIS WAS HAPPENING. 
I LIVE OFF MY CREDIT CARDS AND THESE PEOPLE KNOW THIS AS THEY CAN SEE THE USAGE. 
XXXX IS THE MANAGER I SPOKE TO TODAY AS I HAD THE CALL ESCALATED. 
I WAS ANGRY AS I AM TRYING TO GIVE THEM THE PROOF THEY NEED FOR THE COMMUNICATION WITH XXXX. 
I WAS NOT ABLE TO LOAD TO THE MESSAGE CENTER.. 
TO HAVE A MANAGER HANG UP IN MY FACE IS BS! I AM CALLING FOR HELP AND TO FIND ANOTHER WAY I CAN FORWARD THE EMAIL OR SEND THE PROOF OR GO TO THE BANK IT SELF AS I WAS TOLD IT WAS OPEN. 1 HOUR TO DRIVE THERE AND ITS CLOSED! 
I HAVE AND DONE ALL IN MY ABILITY TO MAKE THING RIGHT AND GET YOU WHAT THEY NEED BUT ALL I CAN SAY IS I AM HUNG UP ON BY THE MANAGER. 
TIME OF THE CALL CENTRL TIME XXXX
Consumer complaint received 2021-02-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I settled my 2nd lien with Specialized Loan Servicing back on XX/XX/2020. Terms were Release of Lien with a short pay of {$7500.00}. I sent the payment to them and received a letter stating I have a XXXX balance. The lien still has not been released. I called the clerk of court and they advised they do not have a back log in which is what Specialized Loan Servicing stated as to why the lien has not been released yet. I also requested 4 times now to have a letter sent to the title company stating the loan has been satisfied and paid in full with a XXXX balance. Im trying to close on this home. They still have not generated this letter for the title company which is holding up the closing of my home.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sterling & Associates, LLC (OH)

On XXXX XXXX I contacted by Ms. XXXX from phone number XXXX. She stated there were charges pending against me. That if I didn't pay her, she would send my case to the federal court and sheriff. I would be arrested and charged for check fraud and other fraudulant activity for a payday loan. I have had loans in the past, and I was and am scared. 
I have to pay 3 {$500.00} payments. The first payment was on XX/XX/2021. I have an email receipt and it is noted on my bank account. My next payment is XX/XX/2021. 
Ms. XXXX said this loan is from XXXX XXXX, a large bank, and there is no way to determine whom the original loan is from. 
I am scared. I don't want to go to jail. 
This is not my first time dealing with this company. They threatned me and collected when the pandemic started. Ms. XXXX stated that if I didn 't pay, they would put me in harms way with the coronavirus. 
I need help and protection.