davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION (WA)

I am a veteran applying for a VA mortgage. VA mortgages allows for multifamily units, up to XXXX. I found a great XXXX plex home. My wife and I are going to live in XXXX unit. My daughter is going to live in XXXX unit paying me rent and we will continue to rent XXXX units to tenants who already live there. 

I have XXXX insurance as do many veterans. XXXX has written me a policy for XXXX XXXX dollars to cover the new property starting tomorrow, the day we are supposed to close on the rental. 

The insurance policy is XXXX pages long and is comprehensive. Because the property is XXXX units with owner occupancy in part and paying tenants in part, Washington State law calls this a " Rental Property Policy. '' Navy Federal Credit Union told me on Friday before the Monday closing, that they would not accept my XXXX insurance because, following Washington State law, it is called a " rental property policy. '' They acknowledge that it covers everything that a homeowners policy covers and more, but because of the name on the first of the XXXX pages, they are denying me VA mortgage at my locked in mortgage rate. Navy Federal Credit Union has offered to give me a different mortgage with higher rate and higher fees in what seems like a bait and switch. 

I have confirmed with XXXX that they are following Washington State law with the policy. I have tried three other insurance companies, XXXX, XXXX XXXX, and XXXX XXXX that they would write me the same kind of policy as XXXX. 

I have requested Navy Federal Credit Union to tell me the name of even one insurance company that offers a policy in Washington State that would satisfy them for me to get my VA mortgage with my locked in rate. They have yet to identify one. 

Because Navy Federal Credit Union is refusing to accept insurance in accordance to Washington State law, they are trying to compel me to get a higher cost insurance policy without my VA benefits. 

I started a new application with a new VA mortgage vender who is happy with my excellent XXXX insurance, but because of mandatory VA waiting periods the new mortgage will take a minimum of 15 days. If I can not get the seller to agree to a 15 day extension, I am at risk to lose {$100000.00} in XXXX money held in escrow for the closing that is supposed to happen tomorrow. 

If Navy Federal Credit Union won't accept Washington State insurance for a multifamily unit with VA XXXX, they should not be allowed to advertise in Washington State that they provide multifamily VA financing and they should not be allowed to take fees from veterans, such as myself, for a mortgage they won't provide. 

I am attaching the insurance policy that is unacceptable to Navy Federal Credit Union.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We took out a loan with XXXX XXXX in XX/XX/2022 and setup with Bank of America to pay the loan with bill pay of {$520.00} on a monthly basis thru electronic transfer. Bank of America was unable to make the transfer electronically so after a week they sent a hard copy check ( dated XX/XX/2022 ) it the XXXX XXXX XXXX XXXX. This check was endorsed and cashed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. We were meanwhile informed that we were past due. XXXX XXXX had nor received our funds so we made a payment over the phone of {$520.00}. We also set up again a monthly bill pay with Bank of America to electronically pay {$520.00} each month which as worked correctly since that time. Since our inquiry Bank of America sent us a copy of the check ( letter dated XX/XX/2022 ) they directed us to XXXX XXXX for resolution and they have also opened and closed their investigations ( current Bank of America case number XXXX ) XXXX. After visits to the local Bank of America office and countless phone calls with XXXX XXXX and Bank of America, without any progress, Bank of America decided in the Fall of 2022 that the issue was with XXXX XXXX XXXX XXXX and them. More phone calls to Bank of America, and multiple, confusing letters as Bank of America bill pay customer service didnt understand that the letters they were copying me on were actually there multiple requests to XXXX XXXX  XXXX XXXX to complete and return to them an Affidavit of Non Receipt which was never sent back to Bank of America XXXX
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

I received a notice of debt collection from Online Information Services XXXX Inc regarding XXXX XXXX bill owed from North Carolina service at an address I have never resided at located at XXXX XXXX XXXX, XXXX XXXX. The city and state were not listed on the notice. I have never lived at the address stated. It was also billed to a name I have not had since 1993. I contacted the company today to tell them this was not my debt. I let them know I was disputing this account. I can only describe them as rude. I talked to a girl named XXXX at Online Information Services.
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (TN)

I reported identity theft on my account. Experian returned by saying they did NOT believe the complaint came from me. I submitted the FTC Report, Driver 's License, Social Security Card AND Utility and NOW I have had my document notarized! They are stalling and if this does not solve the issue, I will sue them and take them to court!
Consumer complaint received 2023-02-02
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. (MI)

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-22
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. (FL)

Equifax is incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-03-03
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. (IL)

Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor
Consumer complaint received 2024-03-03
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. (CT)

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. 
Account name : XXXX  XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX 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. ( 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 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (FL)

The mortgage broker tried to get us to sign off on the loan documents before providing us with the requisite closing disclosure being provided three days before closing. This resulted in the closing being delayed. When we raised objections we were told that the firm operated this way as a standard practice. Only after reminding them that the firms policies indicated otherwise did they comply. However, this resulted in our credit score getting additional hits/inquiries that were not necessary and resulted in us getting denied for other credit later ( " too many inquiries '' was the reason provided ) Secondly, sensitive documents that we provided were handled by people either not appropriate licensed or trained. Multiple times we were told that documents had not been provided when they had. This makes me wonder about the confidentiality, integrity and availability of sensitive information at the company. When we complained we were told that the firm did not have the capacity to handle the volume of requests. 

Furthermore, this same lender ignored followup on the loan origination process the first time around. Documents were uploaded as requested but no one from the brokerage checked or validated them. It is only when I followed up that I was told that due to the delay an additional credit inquiry would need to be run. This decreased my score further, delayed my closing resulting in loss of savings among other losses.
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

In XXXX of this year I was contacted by New Rez Mortgage Company. The Loan Officer named XXXX XXXX was offering us a lower mortgage rate, and told us that we were considered as premium customers, because of our good standing with New Rez. We agreed, and started the process. It was going to be a streamline refinance. Since then, and still to this date, we have not closed. We have spoke with Management, and was told to be patient, and don't be late on any payments, which we have never been 1 day late. We have also been given the excuse of Covid 19, and that things are taking longer than normal.Well, 9 months later, and still waiting. We have reported this to the XXXX XXXX XXXX, but nothing was still done. A Manager called, and said that they received the complaint, and they were working on it, please be patient. 
We were scheduled to close today XXXX with a Notary and Title, and was told by our processor that it was canceled for unknown reasons. This was the last straw as a customer, and now I am seeking help with this matter.
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX  which is in my previous complaint. 

The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. 

Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? 

I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence.

The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character.

You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, XXXX, EXPERIAN written permission to furnish these accounts listed below. 


XXXXXXXX The following account is not mine 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 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 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 XXXXXXXX
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NY)

Date XX/XX/XXXX Amount XXXX $ Try to payoff if it is XXXX $ Company : Westlake financial services Auto loan. 

Hi I purchased a new car on XXXX with high interest. Now in pandemic emergency situation I am in financial bad situation and cant afford pay this high interest payment. I offered company that if the payoff amount is XXXX XXXX I will try to payoff whole amount.by borrowing money from my family members. 
But company did not approve my offer. I want you to fix this problem. I am in deep financial problems because of COVID-19 pandemic emergency situation. I sing contact XXXX and that time there was no situation like today. My XXXX business went down 70 %. 
Please help me to solve this problem and safe my life. I am in deep financial problems. In COVID-19 emergency situation lot of company laws are being compromised. Please help me Thanks
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (SC)

Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. In addition, there appears to be a misrepresentation as this debt is parked twice under two different business names under the same business address. Please see attachments.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (FL)

Greetings, First of all i want to inform about the poor manners and the low quality of costumer service XXXX XX/XX/XXXX provides to their costumers where to get a hold of human are insane plus the inflexibility with their costumers during this global tragic times of COVID 19 Their hold times are about 2 hrs with no sucess of speaking with nobody wasting time and besides that they dont comply with regulations of providing provisional credit in fraudulent charges they sent me their papers regular mail but i recieved them late because of covid delays mails a soonest i recived their request i faxed it over to them after going thru a whole adventure to get a human on the line. Its for real really unhuman have a person for hrs on the line and not be able to resolve consumer issue because they are depleted of satisfactory staff to honored costumers issues and needs.
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had contacted this site before and when you escalated the complaint they fixed the problem. And 2 years later I went to open an account at the same branch that it was fixed at I was told the gentleman that fixed it never permanatly fixed it. I have had the same bank account and have had no problems until now. 
So back in 2014 I had fraud on my checking account the person was convicted and I have all the police reports and court documents, however Bank of America contacted me after XXXX XXXX took all the notes and negative stuff off of my name and sent them a letter stating this was fraud on her account and please see attached reports. It was only then and only after that was I told to file a complaint. Well it was fixed but apparantly it was fixed half XXXX because even though I have had the same account open for going on 3 years with no problems I went to open another account and the branch manager remembered the situation adn said the guy that fixed it before only did it temporary and all the stuff came back again. Are you serious? So for almost 3 years I though Bank of America had my account coded properly and all thetime they didnt. I want to file a complaint as I have all my documents from 2014 and even the letter from XXXX XXXX stating it was fraud
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I requested that Portfolio Recovery Associates validate this debt for a credit card from XXXX XXXX XXXX. I requested that the company provide the original contract, the contract between Portfolio Recovery Associates and XXXX XXXX XXXX, documentation showing that the company is registered to collect in my state of Alabama, the company 's registered agent 's name for Alabama, the company license number for Alabama, and the complete accounting record of all charges. The company responded with a letter from XXXX XXXX stating that Portfolio Recovery now owns the account and may contact me. THIS LETTER IS DEFINITELY NOT VALIDATION OF THIS DEBT. Portfolio Recovery Associates is required to have certain documents on file to legally collect on this debt including the original contract and the agreement between the two companies and the company must provide documentation proving that they are able to collect in my state legally. The company did not validate the debt as requested.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Academy Mortgage Corporation (CA)

I have been working with Academy Mortgage for alternatives options to avoid foreclosure and submitted all documents back in XXXX. On XX/XX/XXXX, I was informed that my documents were under review and nothing was pending at that moment. When I called back around XX/XX/XXXX, I was then informed that a sale date has been placed on my property which states Academy Mortgage committed dual tracking but proceeding with placing a sale date while I was in active review for a loan modification. Now they are requesting more information in which I have sent them over a week ago and when calling in they are stating the opener is still reviewing the documents. It should not take over a week for someone to review documents especially given there is an upcoming foreclosure sale date. To date, I have yet to be assigned a designated point of contact which violates HBOR laws. Academy Mortgage never reached out to me to offer any assistance and have continued to violate my rights as the days progress. Now I am worried about losing my home on XX/XX/XXXX ( 3 days away! ) because they are taking their sweet time doing nothing but causing me stress when all I am trying to do is pay my payments again and not be homeless.