davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION (NJ)

I am filing a complaint against M & T XXXX XXXX for False Claims in Violation of 18 U.S.C.section 1001. Failure to fulfill its obligations required by Secretary of XXXX XXXX Theft of real property. Submission of false misleading & forged documents and records to State & Federal authorities. Violation of FDCPA rules and regulations. Submitted false & misleading Loss Mitigation claims with XXXX XXXX Submission of false & misleading documents and records for the purchase & sell of said property. Violated 12 CFR section 226.39 ( a ) ( 1 ). Violated 15 U.S.C.section 1641 ( f ) ( 1 ) filing false foreclosure documents & records on said property. Violated 24 CFR section 203.604, 24 CFR section 203.605, 24 CFR section 203.606. Falsely representing itself as Lender & Proprietor of the subject FHA insured obligation & fulfill its duties by Federal Laws. Under 24 U.S.C. section 203.604, 203.605 & 203.606. Submitted forged & falsified notarized Assignment of Mortgage. Falsely presenting as Mortgage assignee & Original Lender as assignor. Falsified original Mortgage note with forged & counterfeit documentations ( I have a duplicate of Original Note, agreement and/or contract ). Public Records look nothing like duplicate provided from Original Lender. Submitted false & misleading information to XXXX claimed have acquired Mortgage in XXXX. M & T Bank/Mortgage Corporation has never provided any proof, contract, or agreement on how they become involved with this Mortgage. M & T Bank/Mortgage Corporation again claimed that they acquired the Mortgage in XXXX ( No record ). XXXX  records shows M & T as Servicer. M & T doesn't show up on FHA spreadsheet until XXXX. In XXXX M & T entered a Loan Modification with Buyer that was never reported to XXXX. The Original Lender was acquired by XXXX XXXX  in XXXX. M & T did not secure the Assignment of Mortgage until XXXX. M & T used deceptive means in signing off on Assignment of Mortgage & Promissory Note. They used an XXXX XXXX  employee who falsely represented herself as an Original Lender 's employee, in actuality she is an XXXX employee who sign the Assignment of Mortgage & Promissory Note as Original Lender 's Mortgage rep. Last I filed a few FOIA requests. M & T ignored my request. Provided alternative information instead of what was requested.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nationstar Mortgage has changed it 's name to Mr. Cooper. Since the change of name no one from Mr. Cooper has reach out to me to talk to me about my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. Instead I received a foreclosure sale notice from XXXX XXXX, XXXX. that my house is scheduled for foreclosure on XX/XX/XXXX. Beside I was not told nor receive any correspondence from Mr. Cooper about the reason for the foreclosure. I believe there is shenanigan going between Mr. Cooper and XXXX XXXX XXXX, XXXX trying to force me out of my house
Consumer complaint received 2023-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC (PA)

During the summer of 2021, my now ex husband and I were finalizing the terms of our divorce. In doing so, we decided to refinance our marital home to lower the monthly payment to make it possible for me to afford it for my children and me on my fixed income. For this refinance we worked with EMM Loans. During the process, we worked with XXXX XXXX to determine best options to lower the monthly payment from the existing ~ {$5100.00} per month on a XXXX fixed mortgage at 4.15 % with XXXX remaining. As the outstanding principle would be in jumbo territory, XXXX advised us in order to take advantage of the low interest rates at the time to use a combination of a fixed XXXX mortgage and a variable rate HELOC set to prime lending rate minus 0.5 %. 



We were concerned at the time about the potential for the HELOC interest rate to rise. In fact, we told XXXX we were extremely risk averse and did not want to finance the home with an ARM. However, XXXX informed us the HELOC was not an ARM and the HELOCs interest rate could be fixed at any time we wanted with the caveat that then we could no longer borrow against the HELOC after that point. He stated that one can fix the HELOC once the prime lending rate rises and it becomes just like another fixed mortgage. Later once rates began to rise we contacted XXXX to request the interest rate be fixed. On several occasions when the prime lending rate was below 4 %, we were advised not to do so by XXXX because the rates would likely level off or come down. Eventually, as rates continued to rise above 5 %, we contacted the senior VP EMM Loans, XXXX XXXX, to request the interest rate be fixed. XXXX informed us in email that XXXX no longer worked for XXXX loans. XXXX also stated in writing that the information XXXX provided regarding fixing interest rates on not just our HELOC but ALL HELOCS was incorrect. Thus, EMM Loans acknowledged that they were allowing a representative to misinform and mislead clients about lending terms. 

Please see the attached email correspondence which documents XXXX XXXX acknowledging the ability to fix the rate of the HELOC.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this dispute. After reviewing my credit report I have notice late payments being reported that I have never be late on. By reporting inaccurate information on my report. My consumer rights are being violated. Please see attached documents.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIDGECREST - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (RI)

On XX/XX/XXXX I made a purchase of {$120.00} with XXXX using my Ally Bank debit card. The item I received did not fully match what I purchased. I tried the item out, unfortunately it was defective. I returned the item via XXXX with a return code. XXXX received the merchandice back on XX/XX/XXXX. XXXX is refusing to refund me due to the merchandice being defective. I opened a dispute with Ally Bank. I gave them all the information including the return tracking information. Ally determined that the transaction was authorized and they immediately closed the dispute without informing me. They claim they sent me a notice on XX/XX/XXXX, however I have no record of this. I have a record of them sending me a message on XX/XX/XXXX stating they would get back to me within 10 business days regarding an initial determination. I also have a document from them on XX/XX/XXXX that let me know they are making changes to the online services agreement, but nothing in regards to my dispute. Ally insists there is a second message on XX/XX/XXXX, but I have nothing. Ally has let me know that the dispute is closed and they are refusing to reopen it, despite the fact that they acknowledge that I have returned the merchandice and the merchant has both my money and the defective item. XXXX also acknowledges my return has been received.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY Experian has also refused remove an inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not associated with me and because of the inaccurate information listed on my credit report it has left me vulnerable and has caused fraud inquires and accounts to appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VYSTAR CREDIT UNION (FL)

I paid off an auto loan of {$40000.00} on XX/XX/year>. I was told the lien would be released in ten business days at the branch the day I paid off the loan. I borrowed money from a family member to pay the car off since I needed the money from the automobile sale to keep my house from being foreclosed upon. The car 's value is between {$85000.00} and {$90000.00}. Vystar Credit Union still has not released the lien and after speaking with their customer service this morning I found that I was lied to on the two previous calls I'd made asking about the lien release. On both calls I was assured that the lien was released and that the problem was with the Florida Department of Motor Vehicles. I've spent two hours attempting to uncover the truth ; the DMV assured me that Vystar had not released the lien. After speaking to Vystar customer service on XX/XX/year> and giving them the evidence the DMV had provided, the Vystar rep finally admitted the lien had not been released and gave no explanation as to why, only the problem would be escalated. My home will be in foreclosure on XX/XX/year>. It is criminal that Vystar is allowed to do good, hard-working people this way. They harmed me and my family. After demanding an explanation at my local Vystar branch, the rep alluded that if I didn't calm down, she would recommend that my account be closed at the credit union. So, it's we're at fault ( Vystar ), but if you continue to question what happened, we are going to close your account. Vystar will probably terminate me as a customer over this complaint, but what they are doing isn't ethical or right.
Consumer complaint received 2024-08-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (SC)

While this matter was closed by the CFPB yesterday, XXXX XXXX XXXX, I was and have been waiting for a response from XXXX XXXX XXXX of the Chase Executive Offices after I call I had with XXXX XXXX last month. After recieving a voicmail from XXXX XXXX, I returned her call on or about XX/XX/year>, at around XXXX XXXX  and had been waiting for her to respond, however I noticed this am, that my opportunity to respond ended yesterday without XXXX XXXX having returned my call. 

Based on the discussion I had with XXXX XXXX about information being recieved and sumbitted to my " closed out mortgage '' filed by an Attorney XXXX XXXX XXXX, acting as a " title company '' when Attonrey XXXX was an " XXXX attorney '' involved in fraud\attorney misconduct, and that Chase had failed to inform and notify me of said submitted documents ( accepted and added to the file without any verfication being performed at the time of acceptance, along with no notification being made to me ), XXXX XXXX informed me that she would need to review the information further, eventually leaving me a voicemail, claiming that it wasn't the individual that I had reported to Chase that had submitted the form but a third party vendor. In response, I called XXXX XXXX back, leaving her a message as well and requested that she ( Chase ) then needed to provide me with the name and contact informaiton of that " third party '' that she mentioned in her own voicmail to me, as which point, XXXX XXXX ( Chase ) chose not to respond nor provide me with said requested information on said 3rd party. As such, I am opening this second complaint, as it would appear that Chase is more interested in aid and assisting in coverning up a matter of fraud, reported separately to CFPB, in provided additional details of said fraud\acts of fraud and attorney misconduct pertaining to the individual whom I reported to Chase that was " posing as a title company ''.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (MD)

I've submitted a complain XXXX on XX/XX/XXXX. However XXXX  closed the complain the same day with a templated response, and without reading the complain at all. 

I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. 
In order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX  XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX  XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart. Upstart has information such as phone number and email of the person who opened the account. This information does not belong to me.
Consumer complaint received 2024-06-16
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. (GA)

XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

Submitted application showing unemployed XX/XX/23. Was told Id receive follow up emails every 10 days. That was a lie. Never received anything. Called again on XX/XX/23 and spoke to XXXX ( ID XXXX ) at XXXX XXXX AFTER HOLDING FOR TWO HOURS. Was told I submitted XXXX app too early and it would be processed in XXXX days. Seems random and like she was just trying to get me off the phone. Nothing ever came of it. Application still in review. Was also promised callback and email. Also lies.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

In the week of XX/XX/year>, I logged into my https : //app.juno.finance account and saw a message that " Cash services are temporarily unavailable due to issues with our banking service provider. '' Looking through their help articles and chat they said that ACH services are not available. 

I just want to withdraw my remaining cash deposits, and close my account. 

I messaged support on XX/XX/year> asking if closing my account would allow withdrawal of my money, and in what timeframe. I do not require ACH, a paper check to my address on file would be enough. 

Later that day I received a response : " Please be informed that closure requests can not be processed at the moment due to ongoing interruptions in our services. As a result, account closure requests are temporarily suspended. While we actively collaborate with our banking services provider to restore these services, we understand the frustration this situation may cause. 

Currently, we won't be able to send you your funds. I apologize for any inconvenience. '' I don't find this acceptable ... these are cash deposits in a bank account ( FDIC insured per Juno ), and not, for example, crypto that need to be sold. 

I just want to withdraw my remaining cash.
Consumer complaint received 2024-06-21
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. (MS)

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. XXXX, Experian, XXXX, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XXXXXX/XX/XXXX, This company is reporting a charge off balance of {$120.00} to Experian and XXXX only and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of XXXX and needs to be removed immediately. XXXX XX/XX/XXXX Late Payment reporting by XXXX, and Experian only, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report of my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation.