davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I have discovered there is Fraud in regard to a certain " Uniformed Secured Instrument '' / " NOTE '' associated with my loan/ mortgage. It has come to my attention that there has been a failure for " Navy Federal Credit Union acting as Trustee '' to disclose information to myself as a consumer for financial gain. " Navy Federal Credit Union acting as Trustee '' is involved in the illegal transfer on my Estate/Property, where documented fraud has occurred.This matter has been thoroughly investigated & will be personally delivered to the FBI, The Pennsylvania Attorney General Office, the Secret Service and all agencies for investigation and prosecution, resulting from violations of Federal Law including, but not limited to, COUNTERFEITING and CONSPIRACY TO DEFRAUD. It has come to my attention that " Navy Federal Credit Union acting as Trustee '' is in possession of a counterfeit " Security Instrument '' or " Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, which was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of " Navy Federal Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said " alleged debt ''. The security instrument is not the original underlying " wet inked '' Promissory Note/ Negotiable Instrument Pursuant to Article 3 of the Uniform Commercial Code. Mortgage loans are Governed under Article 9 of the UCC only of the mortgage passes as an incident to its underlying debt. The security instrument that " Navy Federal Credit Union '' has is " unenforceable '' as it has no governance since it describes itself as a mortgage loan that is secured by the original mortgage only, and further describes itself as a " security instrument ''. " On its face '' this document has no negotiability pursuant to Article 3 of the Uniform Commercial Code, and there has not bee a presentment of the original wet ink signature copy of a verified authenticated copy of the original attached to the complaint in the foreclosure proceedings, providing the signature on the documents submitted was signed by my hands and is not a forgery, whereby the use of this counterfeit instrument to collect a debt is unlawful and fraudulent.
Consumer complaint received 2020-12-04
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. (CO)

Equifax is reporting an old account with XXXX XXXX as a charge off. The account was paid in a settlement and should reflect paid as agreed and Is Not a charge off account Both XXXX and XXXX have this reported correctly. 
Equifax has stubbornly and unjustly refused to address this simple issue. 
They seem to be trying to punish me because I have taken steps to correct this.
Consumer complaint received 2021-01-27
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: DHI Mortgage Company (GA)

DHI MORTGAGE CORP hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. XXXX continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX Im living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-04-26
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. (MD)

They have late payments from XXXX  credit card for 30 day late But its wrong and account is paid in full Never been late. I call customer service and they remove later fees and refund them to me as payment they get from me not adding to my account correctly
Consumer complaint received 2021-10-12
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: TRUIST FINANCIAL CORPORATION (GA)

we have car that has a lien on it from BB & T bank. the lien has been paid off since 2014 and we have bought the car they refuse to release the lien even after calling for 1 month the car has been sold and they still the refuse to remove the lien
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I went on the mobile app for CitiBank. I needed to increase my credit limit by {$5000.00} at least. I clicked on " increase my credit limit '' and went through the process. The app never asked me how big an increase I wanted nor informed me how large the increase would be. It provided a {$3000.00} increase. I need at least a {$4000.00} increase. When I called in to change the increase amount I was told that because I already asked for a credit increase I need to wait 6 months to ask for another, essentially stonewalling me. I asked for a supervisor and his line was really bad and I couldn't tell what he was saying. I got as far as getting the same explanation. I said I wanted to cancel that morning 's request and put in a new request for a higher increase. He said he couldn't do that. I asked to escalate and I couldn't understand his response. I asked him if he could contact me by email and he said no. He said a few more things that I couldn't understand. At that point I gave up since he was not able to communicate. I do not trust Citibank to handle this issue with good faith.
Consumer complaint received 2022-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AR)

Our current loan is with BSI Financial, it was sold to them from XXXX in XXXX if XXXX. In XX/XX/XXXX we received our regular statement from XXXX saying our next payment was due on the original date of XX/XX/XXXX for {$1300.00} which is our regular monthly payment amount. On XX/XX/XXXX we recieved a notice through the online portal that we were behind on XX/XX/XXXX 's payment. I did not see this notice because I didn't expect to be getting XXXX so I didn't look on the portal. On XX/XX/XXXX I received an Early Intervention letter stating we were {$6800.00} delinquent on our account. I immediately called BSI to figure out what was going on and was told they could see where it was paid but wasn't sure where the money went just that it happened on XX/XX/XXXX. I was also told it would be sent to a supervisor for an official investigation. Over the next few weeks I contacted BSI multiple times in hopes of a resolution but was continually told it was being looked at by a supervisor. I was also told to send in my statements and bank records showing it was paid and someone would get back to me in 7-10 business days. I emailed all of my statements and documents showing I was paid up and have received no response. It has been over a month since their investigation started and I have yet to be able to speak with a supervisor. The supervisor 's voice-mail box picks up everytime I call. I have continued to make my payment when it is due since this started. My next payment is due XX/XX/XXXX and we have racked up over {$110.00} in late fees even though our payments are not late. Yesterday we received a certified letter stating we were in the stages of early foreclosure. We have not missed a single payment on our mortgage and we have proof of every payment being made.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage was transferred to " Nationstar Mortgage LLC d/b/a Mr. Cooper '' for loan servicing on XX/XX/XXXX from XXXX XXXX ( though i was notified in XXXX and the due date on the mortgage remained XX/XX/XXXX ). 

When paying the mortgage the first time on line with " Mr Cooper, '' two mortgage payments were applied rather than one. There is not an explanation about why two payments were made, only that it was a glitch. I am able to cover the additional payment, but have a concern with a loan servicer whose system, so far, has deducted double payments 100 % of the time.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (NV)

THERE ARE MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Good evening, I am in the process of applying for Standalone Partial Claim with my mortgage company due to COVID. I was told by Shellpoint that I do not qualify for this because of a missed payment in XXXX That payment was NEVER missed, Shellpoint said I did not owe for the month of XXXX. I have been trying to get my account into investigations since XXXX, and I have written documentation since XXXX the escalation department refuses to respond. They continuously show lack of professionalism. On XX/XX/XXXX that will be 60 days they have not responded to claim. I really need them to investigate my account and listen to every single phone call I made to show that it was an error of their part, and that I did not miss the XXXX payment, and they continuously told me I did not owe. 
I need them to do this so I can qualify for the Standalone Partial Claim and not loose my house. I will be attaching documentation proving that the escalation is failing to fix my account. Please help me!
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc. (AR)

I was terminated from my job. I got XXXX due not having medical insurance. I received a bill for {$9000.00}. Submitted paperwork to explain and get dismissed but no response. I didnt receive an exit interview.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

I had a dispute open on my checking account. The bank issued final credits in regards to this issue but now has locked my account from any activity. Customer service told me that my account has a " no check status '' which blocks me from any and all activity. I am hearing impaired so I can not just call customer care so easily. Furthermore, I am at my second home in XXXX and not at my XXXX home so I can not just walk into a TD branch. I sent a secure email via online banking but nobody will assist me in unblocking my account. How can a bank issue dispute final credits then block the account?
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Creditors, Inc. (TN)

The collector is trying to collect more than is owed to XXXX XXXX, I owe XXXX they are trying to collect XXXX They also claim that I owe XXXX XXXX XXXX I did contact XXXX XXXX, I was told that I do not owe them any money. 

The collection agency is Affiliated creditors inc
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (AR)

The vehicle in question was purchased and financed on XX/XX/2017 by BridgeCrest and was repossessed in the state of Oklahoma and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$8900.00} owed Under the laws of Oklahoma and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. 

In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am XXXX XXXX XXXX and I am sending a complaint by myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. This company has illegally re-aged this account. Please investigate this matter because under FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2021 they called my young Daughters phone about my debt. I promptly told them to call me onmy cell phone. I called them back from my number and I promptly told them do not call my daughters phone again. They assured me that they had removed her number from their records. They also told me they would file a lawsuit against me and could Garnish my wages. Well the very next day they called my daughters phone again and left a message for me to call them. Even after assuring me the previous day that they had removed her number from their system.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

I have a medical debt ( amount of $ 330+ ) that was transferred to this collection company, TCS . An individual by the name of XXXX XXXX. They called me on XX/XX/XXXX to attempt to collect the debt. I informed them at that time that this debt will be included in a bankruptcy. I provided them with my lawyer 's information as I have retained a lawyer, but still in the process of filing bankruptcy. XXXX then called me again today, XX/XX/XXXX, trying to collect the debt saying that he called my lawyer, who told them that I haven't filed yet. XXXX tells me that in order for it to be included he needs case numbers and a bunch of other information. I told him that I don't know when it will be filed, but he said that he'll call me again in 2 weeks. Regardless of if I filed it or not, I have retained my lawyer, and all communication should go through them.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I am writing to express my deep dissatisfaction with the repeated and ineffective attempts to remove fraudulent items from your platform. Despite my persistent efforts to report these fraudulent listings, I have encountered significant delays and obstacles in their removal, which is highly concerning. 

However, I am disappointed to note that despite my diligence in reporting these fraudulent items, they continue to persist on your platform for an unacceptable period. This not only reflects poorly on the integrity of your service but also exposes your users to potential financial loss and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only exacerbated my frustration. I have received minimal updates on the progress of my complaints, leaving me in the dark about the actions being taken to address these issues. 

As a loyal user of your platform, I expect better accountability and responsiveness from your company when it comes to combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only undermine the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act, Experian XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to the 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In XX/XX/XXXX I purchased a 2nd mortgage on a property. At that time I obtained a mortgage payoff statement on the 1st mortgage from OCWEN, who services the 1st mortgage. The report shows {$340000.00} due as of XX/XX/XXXX. We also have a payoff statement on the 1st mortgage from XX/XX/XXXX which shows {$350000.00} due. 

I then spent tens of thousands of dollars foreclosing on our defaulted 2nd mortgage, paying OCWEN the monthly payment on the 1st mortgage, taking possession of the house, and listing the house for sale. Now the house is in escrow and OCWEN is quoting {$590000.00} for the payoff. I called XXXX XXXX in OCWEN 's escalation 's department on XX/XX/XXXX and she would not provide any explanation for the discrepancy. She suggested I submit the deed showing I own the house so I can get authorized on the account, which I did. It is now over a month later and OCWEN has not provided any explanation for the discrepancy or authorization to me. I have called XXXX back a few times and have also called XXXX XXXX, in OCWEN 's office of the Consumer Ombudsman and they never return calls. 

OCWEN is causing me to lose thousands of dollars by holding up this escrow and they are not honoring their previous payoff quotes while we are trying to pay off their loan.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX Transunion, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to the 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

These addresses do not belong on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX