davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: American Financial Network Inc. (TN)

Without full disclosure, American Financial Network ( AFN ) converted my promissory note for a mortgage into a hypothecated security then sold it forward, destroying the original note. Per UCC 3-309 and UCC 3-418 ( d ) they have refused to provide or prove up the securitized note. This is a type of fraud.

Further, AFN has refused multiple times to return the fraudulently stolen promissory note of issuers in an unaltered, original condition to disprove securities were liquidized without original creditors consent which is securities theft ( 18 USC 3301 and 1348 ).

Further, per UCC 8-102, UCC 3-305 , UCC 3-306, and UCC 3-105, when AFN securitized said note to sell it forward to Planet Home Lending ( PHL ), a debt collector, to satisfy the mortgage, no taxes were paid on the gain of that secondary issue ( the mortgage as a security future ) by either AFN or XXXX. This is tax evasion and tax fraud. Further, AFN has filed a 1099a with the IRS claiming my security interests in the promissory note were abandoned, without providing a copy to me, despite the fact I did not abandon it. 

Further, XXXX and XXXX are committing multiple types of fraud in representing multiple specie of currency as XXXX type on the promissory note, defrauding myself and the XXXX XXXX XXXX XXXX XXXX ) who is also a party to the mortgage note instrument sold forward as a hypothecated security. However, in the documentation provided to the VA, the specie of currency was correctly listed in a USD $ format, in all other places of the promissory note they noted the amounts to be paid using the XXXX XXXX symbol for Mexican Pesos ( $ ) without adding " USD $ '' before it. 

Further, additional fraud was committed by XXXX in that a " loan was provided '' but they've refused to provide a receipt for said loan to determine whether the loan received was a loan of the credit of XXXX or OTHER LENDERS, or a loan of money, as described in the National Currency Act, sections 27, 28, and 53. Refusal to provide this documentation is indicative of fraud.

Per 12 CFR 226.32 and 16 CFR 433.2, AFN refused to include necessary legal notices on the mortgage note instrument. Failing to do so, by law, constitutes unfair and deceptive practices in consumer lending, defrauding myself and the XXXX Further, without permission or a court order allowing them to, they fraudulently sold personal identifiable information ( in violation of 16 CFR 02 ) to PHL , who was also defrauded by AFN for refusing to include this necessary legal verbiage which allows seller to sue.

Further, in opposition to and in direct controversy with multiple State laws in California and Tennessee, as well as a violation of the Sale of Goods Act, and, without full disclosure, agents of XXXX XXXX ( Seller ) were at the time of the generation of the promissory note, also agents of AFN.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Commencing on or about XX/XX/, I fell victim to a multi-layered scam operation run by fraudulent entities presenting themselves as a legitimate firm, called XXXX XXXX XXXX which involved me making deposits for a total amount of {$110000.00} USD from my USAA bank account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (OH)

I have been attempting to have my accounts restored with E*Trade Bank since XX/XX/XXXX, to no avail. I keep getting the run around from different representatives I have spoken to since then. This all stems from my account almost being hacked, but was prevented by a very astute E*Trade Bank representative XXXX On XX/XX/year> a hacker contacted me via cell phone posing as a fraud investigator for E*Trade Bank XXXX His caller ID was exactly the same as E*Trade Bank 's main phone number, leading me to believe it was a real E*Trade Bank rep. Fortunately , the real E*Trade Bank Rep ( XXXX ) was astute enough to realize this person was not me and thus prvented {$9200.00} being wired out of my account. Once the hacker was foiled, the real E*TRade rep contacted me to see if I wanted to " Restrict '' all of my accounts with E*Trade, in case there was anyone else trying to get into it. I agreed to do so with the understanding that I could reinstate it by following XXXX 's instructions. On XX/XX/XXXX, I submitted the paperwork, as instructed, to have my accounts restored so I could use them. I am still waiting to have my accounts restored as E*TRade keeps giving me the runaround. They promise to have their fraud department contact me, it never happens, they promise their management to contact me, so I can escalate, it never happens. In the meantime my life insurance has lapsed since XXXX 's are not taking place, my XXXX accounts are not processing payments, I have had to scramble to take payments. I need my accounts restored back to normal ASAP. E*Trade is holding over {$40000.00} in their possession. I am just being ignored with no one to complain to or to escalate within E*Trade. I need my money back and all my accounts unrestricted. This is causing me hardship that I shouldn't be facing. I have called E*Trade at least twice a week every week since thew incident. I have contacted the FDIC but they couldn't help me. Please HELP!
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my XXXX XXXX account. Despite submitting an official police report, FTC Identity Theft report, and contacting the fraud department multiple times, Transunion have failed to adequately investigate or validate {$310.00} in charges made without my authorization on my XXXX XXXX. As a result, the balance is incorrect and is being reported incorrectly. 

Not only have XXXX reported inaccurate, unverified information to Transunion, harming my creditworthiness, but Transunion continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring their urgent attention. 

The simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 

I am officially demanding complete statements itemizing all account charges and expect Transunion and XXXX to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 

I have already suffered serious financial and emotional harm due to Transunion 's mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. I believe that Transunion is in cahoots with XXXX to keep this negative file on my report without providing adequate evidence that i made these charges. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions. Transunion also refuses to block the fraudalent and inaccurately reported account from my report! This is a blatant violation of my rights. The specific provision in the FCRA that addresses my situation is found in Section 605A. This section outlines the procedures for blocking information resulting from identity theft. According to the FCRA, credit reporting agencies must block the information within four business days of receiving an identity theft report, which may include a police report. Transunion refuses to honor this right!!!
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 2023-04-25
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. (CA)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Consumer Financial Protection Bureau ( CFPB ), I'm seeking your urgent assistance in addressing a concerning issue related to inaccurate information on my credit report. The credit bureaus are reporting an incorrect and inaccurate negative/delinquent account, and there are inaccuracies in my personal information as well. I am deeply concerned about the potential impact on my creditworthiness due to this incorrect reporting. 

I have attached a detailed letter outlining the discrepancies and have provided copies of my utility bill and driver 's license, both containing my accurate personal information. I believe these documents will support my case for the removal of the inaccurate negative account. 

I kindly request your prompt intervention and assistance in rectifying this matter. I understand the importance of maintaining accurate credit information, and I trust that your involvement will help ensure a fair and accurate representation of my creditworthiness. 

Thank you for your immediate attention to this matter. I appreciate your assistance in resolving this issue. 

Kind regards, XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ill XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX XXXX  XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Consumer complaint received 2023-12-21
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. (GA)

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 XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I formally request that you remove my name from the list of your debtors, I never had anything to do with XXXX XXXX XXXXXXXX, you claim of debt may be through Identity Theft. Please provide validity of debt with my name and my signature.

Thanks sincerely for attending to the circumstances
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aspen Yo LLC (CA)

Since my mortgage was transferred to Gregory Funding, I've had nothing but problems. I wasn't able to access their website, they said they would be resetting my password but I kept getting errors their system did not recognize my information. Then I would receive letters from them that they were trying to contact me but when I called they would refuse to help me. My statements weren't reflecting the correct payments I made. Most recently, my health has worsened, I moved my granddaughter in with me who is a XXXX XXXX. To help take care of things. We completed a Loss Mitigation application then I received a letter from XXXX XXXX of Gregory Funding that everything was received. Once again they have gone radio silent and will not help me or return my calls. Yesterday I received a collection letter from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Stating that I owe {$150000.00} to XXXX XXXX XXXX XXXX, Mortgage Backed Securities, Series XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with loan number XXXX. Now I am able to log into my Gregory Funding account online and it says I am in FORECLOSURE. I am very stressed out about this and feel as though they are trying to take away my home.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXXXXXX XXXX paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX & XXXX XXXX XXXX XXXX ( Capital One ). I told Capital One to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of 15 USC 1666. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: ASSOCIATED BANC-CORP (IL)

I was quoted a 6.28 % interest rate XX/XX/XXXX. I became under contract XX/XX/XXXX. I was never locked into an interest rate when I became under contract. When I called the loan officer to know what my monthly payment would be ( considering a grant from the bank and seller credit ) I was locked in XX/XX/XXXX at 6.875 %. I questioned the higher interest rate. The loan officer told me I become locked in when I am under contract. I was not given the rate at the time I became under contract. I spoke with the manager who refused to give me the interest rate I was entitled to. The loan officer never asked me to be locked in after I became under contract until I called and asked for the update on my monthly payment.
Consumer complaint received 2024-04-15
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP (DC)

In early XX/XX/2023, we request PMI cancellation from US Bank and during the initial stages, it was explained a property valuation would be conducted via a Brokers Price Option ( BPO ) and the process would commence once a written request, along with the property valuation fee, was collected. The US Bank representative stated the process could take up to 120 days ; however, if approved, PMI payments would be retroactively refunded to the process initiation date ( mid XX/XX/2023 ). The valuation report was completed and dated XX/XX/2023. Initially, our PMI cancellation was rejected due to inadequate property valuation. I requested reconsideration and received the valuation report and instructions on how to request reconsideration. I determined the comparable properties ( Comps ) submitted by the BPO were inadequate and did not accurately reflect the square footage, as well as other significant features of our home. Additionally, the valuation included real estate listings and Comps, although the instructions provided by US Bank stated only Comps should be included. The submitted reconsideration was granted utilizing appropriate Comps, via a letter from US Bank dated XX/XX/2023. We subsequently received a refund check for {$1100.00} and six days later another check for {$450.00}. I inquired from US Bank regarding the amounts because in totality, both didn't equal the refundable amount due. The letter from US Bank dated XX/XX/2023, stated PMI was cancelled effective XX/XX/2023 and the {$1100.00} check reflected the PMI provider surplus amount and the {$450.00} was for a mortgage insurance disbursement from the escrow account. As confirmed in the aforementioned letter from US Bank, our PMI was cancelled on XX/XX/2023, although, we continued to have PMI disbursements collected from our 2023 XXXX, XXXX and XXXX mortgage payments, totaling {$1300.00}. I contend these payments are immediately due from US Bank.
Consumer complaint received 2023-03-10
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: GOLDMAN SACHS BANK USA (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against XXXX and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX