davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

My house was stolen. 

1. XXXX XXXX XXXX Illinois XXXX XXXX ( XXXX XXXX ) commenced a foreclosure complaint with a summons. 
2. I filed an Answer to respond the complaint 's claims and formally raise my defenses and filed an Appearance. 
3. XXXX XXXX moved for a motion for a summary judgment. 
4. I replied to the motion of the summary judgment and requested to strike to dismiss the case. 
5. XXXX XXXX failed to provide its answer to my reply. 
6. XXXX XXXX requested the judge for an extension of time. The Judge allowed the extension. 
7. XXXX  XXXX failed again to provide my answer. 
8. As a result, I moved a motion to request the judge to strike and dismiss the case with prejudice. 
XXXX. The judge entered a judgment to STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED on XX/XX/2011. 
10. The STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED. In foreclosure its used to dismissing the case, remove the case from the court, and the case was allowed by the court to be withdrawn. 
11. When the case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue. 
12. When a summary judgement is granted and the case is dismissed with prejudice, it is a final order or judgment, and the plaintiff can be appealed. XXXX XXXX XXXX Illinois XXXX did not appeal. 
13. After several years, XXXX XXXX XXXX Illinois XXXX XXXX proceeded a legal action. Instead of filing a new case, they took the old, dismissed case number and forged, altered and redacted key information on the case. 
14. They redacted my Answer the complaint filed, Appearance, motion to dismiss, numerous motions, memorandum in support of motion file, and proof of services filed. 
15. They went to a judge and claimed I failed to file my Appearance and failed my Answer of the complaint and requested a default judgment. The judge allowed the judgment. With a default judgment, XXXX XXXX XXXX Illinois XXXX got everything it asked for in the complaint, including the right to sell your home at a foreclosure sale. 
16. I never knew I was foreclosed and that my house was sold. I had gotten a letter from XXXX XXXX XXXX Illinois XXXX sold my house by assignment to an investor. The investor told me that I was in foreclosure, and I needed to do a modification loan, or I would be evicted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
17. The foreclosure and the assignment were fraudulent, and they didnt have to right to sell my house.
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

I sent a debt validation on XX/XX/2021 for validity of the debt and the reporting of late payments. I receive a validation letter on XX/XX/2021. On the letter it reflects a different payment of wait I have been paying. I have overcharged the entire length of the loan.
Consumer complaint received 2022-06-27
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. (FL)

Those Accounts arent mine, I never Authorized those Accounts to be opened. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (SC)

I have a car loan with Sun Trust and a checking account with BB & T. In making my monthly payment on the car loan they say I mistakenly clicked to pay off the loan. The full payoff, {$24000.00} was collected from my BB & T account, which had a balance of XXXX, overdrawing the account. I called Sun Trust and they tried to explain to the manager at my BB & T bank what to do. She was not interested and hung up the phone. I went home called Sun Trust again and they explained to have BB & T put a stop payment on the pending transaction, it would return to SunTrust, they would correct the account and everything would be normal. 

I called BB & T customer service, spoke to three different people, all who said they could not stop the payment but they would transfer me to someone who would. Each one said they could do nothing. I asked for a supervisor and they hung up on me. 

In the mean time my money is closed off, I have no access to the cash in the account. BB & T said it could take 10 days to resolve. I asked the manager at the bank how do I live without access to my cash. She said use a credit card. 

I can not believe a simple mistake, that Sun Trust understood and was willing to fix on their end, can not be rectified. And to top it all off BB & T will be charging me overdraft fees for the whole ten days. 

What can I do?
Consumer complaint received 2022-08-01
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)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXX Balance : {$500.00}
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied to refinance with existing mortgage company 6 months ago. They immediately did an appraisal and charged me for it. I have been a customer with them for four or five years and never even had a late payment. I have submitted every document they have requested but nothing has happened. Meanwhile the rates have gone up and I would have to start over with another appraisal fee. I do not hear anything from them anymore. I should at least be entitled to a refund of the appraisal fee if nothing else. Each month that they do nothing cost me another {$250.00}. I am XXXX years old and this has been very very stressful for me. The name of the company is NewRez. My initial mortgage company switched me to them.
Consumer complaint received 2022-06-28
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. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 


Please remove this account.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I am writing to file a complaint about Chase XXXX XXXX and that they improperly charged undisclosed fees on a loan payout upon closing a home mortgage. Chase Banks actions violate the Truth in Lending Act, and we want the FTC to enforce that regulation and help us recover the improperly taken money. 

BACKGROUND We had two mortgage loans with Chase. 

The first mortgage loan was XXXX. 

We decided to refinance that loan with Chase to get a lower interest rate. We closed out the first loan and opened a new loan with Chase ( XXXX ) on XX/XX/XXXX. 

There was some confusion by Chase in terms of the closeout amount on the first loan. 

Chase sent us a letter on XX/XX/XXXX stating that the total payoff amount for loan XXXX was {$450000.00}. Then on XX/XX/XXXX, they sent us an updated letter on XX/XX/XXXX that the total payoff amount from the first loan was {$450000.00}. The new mortgage we secured with Chase on XX/XX/XXXX for {$450000.00}. Chase used the updated and disclosed payoff amount provided by them on XX/XX/XXXX to determine the loan amount for the refinance. 

Eight months later, we decided to refinance again. This time with another lender. Loan XXXX closed on XX/XX/XXXX for XXXX After reviewing the charges by Chase to close the loan, we noticed that we were charged a Broker Price Opinion for {$2100.00} ( see the attached copy from our bank statement ) This Broker Price Opinion was not disclosed to us upfront. It also was not a service that was performed, requested, or authorized by us. 

We have had discussions with Chase for several months. Chase now claims without admitting they made a mistake that there was a shortfall in closing the first mortgage we had with Chase. They are also now claiming the Broker Appraisal was a Corporate Advance to make Chase whole for the shortfall going from the first loan to the new refinanced mortgage. 

Again, we were never advised of a Corporate Advance/ escrow account, nor had we requested or approved those fees. 

Once a loan is closed, it is not proper for Chase to intermingle that transaction with a new loan. 

Both actions above are a clear violation of the Truth in Lending Act.
Consumer complaint received 2021-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (CA)

I am writing to dispute the late payment on my auto loan with Santander consumer USA. Ive been making timely payments to them by text for months now. I knew my car was almost paid off and when I didnt receive a text from them for payment in XX/XX/2021, I assumed it was paid off. I went online to check in XXXX and it did say that I still owed {$360.00}, but when I pressed make a payment it said that my balance was XXXX so I assumed that their system had just not been updated and that I was done with my payments. I have been waiting for my pink slip. I received a letter from them today, XX/XX/2021, and was hopeful that it was the pink slip but it was an Invoice saying that I was 71 days late in paying! This is the first statement that I received from them by mail since I signed up for text payments. I called them and they said that my late payment had been turned over to you and that I would have to file a dispute through you. I told them to transfer me so that I can make a payment on the phone but when they did that I was told that I owed {$740.00}. This wasnt the amount that I was just quoted. I hung up from that service and decided to pay online once again. I pushed to make a payment and it said that my balance was XXXX dollars. I called to speak with someone again and they told me to go online and pay by asking for the payoff amount. I tried that and they told me the payoff amount but wouldnt take a payment and when I tried to pay again by phone it gave me the {$740.00} amount. I called and spoke with the rep again and he transferred me to a manager who was able to take my payment by phone. He apologized and said that there were apparently some glitches in the system, one being that they didnt text me my final payoff amount and allow me to pay that way, like I had been paying for months, and he couldnt explain why it said that there was a XXXX balance when I went online to try to pay. He was going to turn that over internally for them to check into. He did explain that the automatic amount of {$740.00} was because the auto payment just knew that it was a month late and it gave me two payments plus a late fee amount. It apparently doesnt know when you are on your final payment. I would appreciate it if you could remove the negative dings that this created on my credit score. Its been more than frustrating dealing with them but my credit report score troubles me above all. The company is Santander consumer USA
Consumer complaint received 2021-10-07
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. (PA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-07
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. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$17000.00} XXXX XXXX {$50000.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$690.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$320.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to Trans Union and XXXX and they have refused/ ignored my request.
Consumer complaint received 2021-10-07
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I don't I recognize the inquiries listed below, nor do I have accounts associated with them. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-02
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Today I login to myequifax.com and attempted to get my credit score. I was not able to view my credit score even thought Equifax website said I can view my credit score for free. Last month Equifax advised they were sending my credit score through the mail. It never came probably because they can not pull it. I am considering taking legal action against Equifax they have denied me my right to make a living.
Consumer complaint received 2021-10-07
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On Saturday, XX/XX/2021, I went into Navy FCU to deposit a check. It was my initial oversight not recognizing this check was for my business not my person. The Navy staff failed to do his job by double checking everything and deposited the check into my personal account. The check was cleared and funds were made available. On Wednesday, XX/XX/2021, I went into the branch to withdraw funds and was there for 75 minutes because there it was discovered it was a business check. The account was restricted and I was not able to access any funds. This causes me financial distress because I missed a business deal. I am in the pre-planning of filing a lawsuit for damages.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (TX)

The financial firm ability XXXX XXXX is a debt collector who have been handling my debt from XXXX XXXX XXXX, for XXXX $ and the person I am speaking to resolve my payment, has been aggressive, disrespectful and refuse to offer me account settlement documentation. The school has Been not helpful and there should be an action taken on the financial service provider
Consumer complaint received 2021-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I applied for a HELOC with Bank of America. My request was not assigned to an underwriter until 8 weeks later. This was advertised as a no cost, no fee, HELOC however on XX/XX/2021 I was directed to a third party provider called XXXX and order an update to the master HOA policy adding BofA as a mortgagee. For this I was required to pay a fee of {$100.00} for a certificate that looked just like the one I provided them from my homeowners association. I went ahead and paid the fee as I thought we were close to closing. On XX/XX/2021 my loan was declined due to " Collateral Does Not Meet Bank Guidelines ''. Shouldn't this have been established through the appraisal process and other means before BofA required me to incur this expense and place them on my polices as a mortgagee? I feel BofA has engaged in unfair and deceptive practices and should reimburse me for the {$100.00} I needlessly spent due to their incompetence.