davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

Due to a loss of income last year ( $ XXXX/mo. ) I applied for a loan modification through our lender, Ocwen Loan Servicing XX/XX/XXXX. We were approved for a modification and made our first trial plan payment XX/XX/XXXX. We successfully made our 3 trial plan payments and continued to make payments to the mortgage company after the trial ended. We started calling them XX/XX/XXXX as we had not received our completed modification papers to make the modification permanent. We spoke to our relationship manager three to four times a month requesting our paperwork. We were always told that the paperwork was with the underwriter and we should have it " soon ''. We finally received our paperwork XX/XX/XXXX. We had the papers notarized on XX/XX/XXXX at the bank where I included a cashier 's check for the monthly payment as Ocwen had requested and mailed the papers that day. When I called in XX/XX/XXXX to make my house payment I was told that my loan modification was denied because they did n't receive the paperwork within the allotted time frame of 30 days. When the customer service representative looked into it further we were told that they had in fact received our paperwork on XX/XX/XXXX and that the modification was denied on XXXX XXXX. When we asked why they told us it was because the lender had that right. We called numerous time after that and we were told that it was being sent to a supervisor and that they would fix it. I tried to make a house payment in XX/XX/XXXX and they once again would not accept my payment due to the denial. On XX/XX/XXXX I received notification that my loan had been referred to a law firm for foreclosure. We never received anything from Ocwen stating that we were in foreclosure. When I spoke to yet a different customer service representative I was told to just fill out another request for modification. I did that and submitted a complete application XX/XX/XXXX which was later denied because we had submitted a XXXX application within a years ' time. In XX/XX/XXXX I was told by another representative to send an email to the escalations department asking them to look at the original denial. On XX/XX/XXXX we received notice that the denial was overturned and that they were approving our modification. I was able to talk to our relationship manager on XX/XX/XXXX who told me that he had to ask the research department to confirm that we had made all of our payments. About a week later we received documents in the mail showing payment history starting XX/XX/XXXX but none of the payments from XX/XX/XXXX. Ocwen is now telling us that we are in default again due to no payments being accepted by them since XX/XX/XXXX. As of this week our relationship manager is still unable to give us any information as to how we are to proceed from here. I would greatly appreciate any suggestions that you can offer at this point. We want to keep our house. Thank you.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX as I was on a business trip in XXXX, XXXX, my phone was comprised and two {$150000.00} XXXX  money transfers were transferred from my account to a XXXX XXXX at the following number XXXX XXXX. Per the news, she is known for frauds similar to this in XXXX. Please review as I did not authorize these charges which are clearly out of line.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

The dispute has been open for several months, and despite providing all necessary proof, including an identity theft report and, they still haven't removed the account. I am now requesting the full removal of this account from their system and all three of my credit bureaus. I had no other option but to submit a CFPB report
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (NM)

On XX/XX/XXXX we had our vehicle and it's contents stolen. This included a shared account card. I had just put my rent money in the account, and then {$350.00} was spent at a smoke shop and gas station we have never been to. It had taken a few days to realize which cards were in the wallet, as this shared card was nearly never used. Therefore the card was not canceled until a few days later, and the charges were made. Getting a vehicle stolen as well as other important documents was a hassle that scattered our attentions, and the card should have been deactivated sooner, and that is a mistake we will admit to. That is the only mistake we made except for choosing this bank. Simple, our BBVA banking company claimed that since I had just put in money, I had logged into my account, and that the funds stopped at " XXXX '' were reasons not to believe me, so my dispute was denied. I replied with the fact that I put the same amount of money in my account at relatively the same times each month for rent. We were also trying to dispute the charges, hense being logged in, and could not dispute them until they were done pending. Additionally, our account was actually - {$5.00}, not at XXXX. Therefore there claims are all incompetent. We have supplied the police report, the evidence of other banks ( doing their job ) and refunding us our money/canceling cards. We have gone to the trouble of pointing out all of the reoccurring payments, and we have talked to multiple people. There is no correspondence with the merchants because, well, that is the banks job and not mine, so we did not think to reach out to a smoke shop who probably would not have done anything for us anyway. I am a XXXX student full time with a part time job, {$350.00} is a lot of money to me, especially in a global pandemic. We are not thieves, this bank is the thief. We have correspondence with Simple on XX/XX/XXXX, XX/XX/XXXX XXXX and sent the last evidence on XX/XX/XXXX, only to receive a second denial today. We made the first dispute on XX/XX/XXXX, and first received a denied dispute notice on XX/XX/XXXX, and then reinstated the dispute the same day. The " important documents '' on the police report include a wallet. Here in NM the police are spread thin, and of course wrote down a vague detailed assessment of what was stolen. This does not allow enough security, and we are set back yet again. Another police report can not be made if there is an error in detail. We can provide the case number and Detective name phone number who can confirm that a wallet was stolen. It was difficult enough to deal with a stolen vehicle and wallet, and now we have everything else settled except for with this subpar company. I look forward to your assistance in getting justice.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northwest Collectors Inc. (IL)

I was admitted to XXXX XXXX XXXX XXXX in XXXX, IL. They provided a grant which paid for the length of my stay including doctors visits and test as well as room and board, but individual doctors have sent arbitrary amounts to collection agencies. I now owe {$2500.00} in medical bills I was unaware of. The culprits XXXX XXXX XXXX XXXX, {$210.00} ; XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXXConsent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

I think these companies should have given me an opportunity to make payments such as the XXXX companies. The docotors listed are clearly engaged in predatory billing practices when XXXX XXXX XXXX awarded me a grant for the stay XXXX. I want my credit restored it is all medical bills and every single company listed will not work with me, nor settle on terms. I need a help I am a struggling student with only medical debt, and I can not take out any loans to complete my education without these taken off my report. I ahve not been reckless and I have not lived beyond my means. PLEASE HELP.
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

In XX/XX/XXXX, we leased our XXXX XXXX in XXXX XXXX  for an agreed monthly rate of {$480.00} for 36 months. 

In XXXX, we moved to XXXX  and reported this change to Toyota. Then they arbitrarily began charging us an additional $ XXXX with no explanation. 

When we called ( multiple times ) for clarity, they just said that's our new rate now. Absolutely nothing is detailed or itemized on our monthly statements ( see attached ) so there's no clarity to be found there either. And when we asked them to provide some sort of substantiation or evidence of this increase, they flat out refused. 

Further, this surprise increase had canceled our autopay without notice and our subsequent payment was late as a result which incurred a late fee. 

Since our contractual lease agreement clearly states a monthly payment of $ XXXX and nothing has been renegotiated, then {$480.00} is all we are required to pay. 

PLEASE NOTE : This account is under my husband 's name ( XXXX XXXX ) but I am an authorized person on the account.
Consumer complaint received 2015-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I disputed inaccurate information with Experian regarding the accounts that are listed on this dispute. First of all, I 've contacted the companies via USPS certified mail and sent them a letter of debt validation. None of these companies responded with any verification or validation of the accounts or the information regarding the accounts. By law, these companies are supposed to verify to me that these accounts and the information is accurate. I would like to know what verification/ validation did Experian receive regarding these accounts that was competent since they say the investigated my dispute.
Consumer complaint received 2016-12-07
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (FL)

PayPal has failed to comply with the Fair Credit Reporting Act by taking adverse action against me and refusing to provide the name, address, and phone number of the agency that provided them with the consumer report they used so that I may obtain a free copy in order to dispute the inaccurate information contained there in. 

1 ) PayPal uses a verification process that includes matching your phone number to a consumer report. 
2 ) If PayPal does not match your phone number, they take adverse action against you by restricting how much money you can withdraw, refusing to allow you to connect your bank account for withdrawals, and charging you to receive a check. 
3 ) This action applies only to consumers who do not pass their verification process. 
4 ) I submitted my own phone number registered in my name. 
5 ) When PayPal ran their check, they said it was not mine. 
6 XXXX PayPal failed to provide the name of the reporting agency they used even after I requested that they do so. 
7 ) When I specifically referenced the FCRA, PayPal said they refused to owner requests for information by individuals and required a subpoena from an attorney or law enforcement XXXX. 
8 XXXX These actions are preventing me from learning what consumer reporting agency has inaccurate information about me so that I can correct it. 
9 ) It has also cost me money to receive checks rather than direct deposits that I would not have paid but for PayPal 's taking adverse action based on information in my consumer report.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I was going online to paid my credit card bill of Walmart number # XXXX but they service was not operated online, I had call the credit card to make a payment by phone today but post date for XX/XX/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of {$35.00} because it was past due and I reply to her is not pass due. Can you please process the payment of {$98.00} on XX/XX/2015, She process the payment with no problem, she gave me the confirmation # XXXX, This is not the first time I been charge for late fee of {$35.00} for the month of XX/XX/2015. 
What gimmick or scam they are running in the credit card department, I 'm requesting investigation on this matter or issue ASAP, This is hardship for me at this present time or moment, I am not happy as a customer of Walmart/Synchrony Bank XXXX XXXX XXXX XXXX, GA XXXX, telephone XXXX. 
I feel and believe they should n't be a cut of time making a payment online or by phone. 
This unfair for the customer, including my self.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

TO WHOM IT MAY CONCERN : RE Loan Number : XXXXThis is a Notice of Error filed against Ocwen Loan Servicer for violation of CFPB Servicing Rules 1026.41 ( d ) ( 1 ), 1026.41 ( d ) ( 2 ), 1026.41 ( d ) ( 3 ). 

According to recent news reports Ocwen is broke and I believe that the company is trying to recoup monies from customers like me so they can pay the monthly advances on delinquent loans in their servicing portfolio. 

These blatant violations of federal rules are adversely affecting my mental and physical health. 

I am a retired senior citizen, living on a fixed income in XXXX and every penny counts. 

That is why Ocwen 's practice of repeatedly increasing the amount of monies they claim I owe is so disturbing. 
A quick recap : I signed a modification agreement in XX/XX/XXXX and agreed to pay monthly amount of {$1500.00}. This amount included escrow to pay my insurance and taxes. 

I paid the agreed amount on time every month. 

Unfortunately, Ocwen does not recognize the terms of our agreement and has changed my monthly payments XXXX or XXXX times since XX/XX/XXXX. Of course, the change is always an increase in payments - not a decrease. 

I filed a Notice of Error in XX/XX/XXXX, because Ocwen stopped sending me a periodic statement. 

Ocwen referred the complaint to their law firm XXXX XXXX, who responded with a package of information, none of which answered my complaint. 

However, Ocwen did begin sending me monthly statements in XX/XX/XXXX. Unfortunately, those statements are filled with errors. 

The errors were in the escrow category, and after repeated attempts to resolve the errors over the phone with Ocwen reps, I decided to pay my property taxes and insurance directly, instead of paying into escrow with Ocwen. 

In XX/XX/XXXX, I mailed a letter to Ocwen, stating that I am going to pay property taxes and insurance directly, and cancelled the escrow. Ocwen sent me a letter dated XX/XX/XXXX stating it had received my Notice of Error and was researching the issue. 

I never received an answer regarding escrow, but paid the {$1600.00} which included escrow in XX/XX/XXXX. 

In XX/XX/XXXX, I paid only the principal and interest in the amount of {$600.00}. I refuse to pay escrow to Ocwen because they are mismanaging the funds. It is my right to suspend payment of escrow upon notice given. I have noticed Ocwen of my decision. 

What do I want? 

I want to manage the payment of my taxes and insurance directly. I will no longer pay Ocwen escrow. 

I want Ocwen to correct the errors in my statement, apply my payments to principal and interest, and remove all fees. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-16
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. (HI)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the items that needs attention : XXXX XXXX XXXX XXXX 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 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 've sent 3 dispute letters to TransUnion. 
One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. 
Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question. 
Therefore, based on the bureaus blatant disregard of federal credit reporting laws, I would like all my account in error or question deleted from my credit report.
Consumer complaint received 2024-10-13
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. (DE)

I called several times during the month of XXXX to ask what my options were for assistance or forbearance, as I had the money for the mortgage but it was all in money in my bank account. or evidence of this. please listen to those calls. The mortgage does not report to the bureau until XX/XX/XXXX. I called on XXXX XXXX XXXX XXXX XXXX  and spoke with my loss mitigatior representative for 30 minutes, named XXXX XXXX I asked SPECIFICALLY if it reports late to your credit to do a payment plan " workout option '' they called it and she said NO. She then explained how putting down some money would be an accepted option but mv mortage would be extremely high when it is due. which would be 30 davs from then. I agreed that I could save the money up For context my mortgage is {$3000.00}!! So I was agreeing to pay {$3600.00} for the next 6 months but I would have extra time to save it since I was only paying {$400.00} on XX/XX/XXXX. They sent me a list of my payment dates in the mail. and when I went to pay on XX/XX/XXXX, they reported both XXXX and XXXX late to the credit bureau and our credit tanked XXXXXXXX XXXX and some credit was taken away. You all just tried to ruin our lives to get {$400.00}? I had the XXXXXXXX  How is it acceptable to lie to clients paying you this much money. Then I asked for a review of the calls and another supervisor, XXXX, called and simply said " the notes of the call were reviewed and you were advised of credit reporting ''. So it's fully ok to lie to customers at XXXX to close a deal. Let me share with you all the " advised ot credit reporting '' verbatim : " Delinquent loans may be reported to the credit bureau reporting agencies on a regular basis. Your loan may be reported until brought current ''. THAT IS ABUSIVE PREDATORY LEGALEASE. I SPECIFICALLY asked if it would report late before AGREEING to the terms, and you all are now claiming that THIS is the " advised of late reporting ''. Please do the right thing here. XXXX did not at all review my call she simply looked at the notes that XXXX lied on. They rushed me into doing a hardship application and I got it in for XXXX and they took until XXXX to give me the resolution which was a trial period until XXXX to pay a lower rate of {$2600.00} but STILL REPORTING LATE EVERY MONTH THEY TAKE MY MONEY. I am crying while typing this and I am publishing this publicly because if you have XXXX and you get any of them on the phone ASK TO RECORD IT because XXXX and XXXX seem really nice but will like to save themselves quick and I do not want another homeowner to go through this.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to resolve the issue with XXXX but they are not cooperating. I spoke with the collections and they show an amount but have no proof to accompany this non valid debt. My mother called on a product for my husband and I at a previous address. We decided to go with XXXX instead. XXXX sent us a wireless box which we never ordered and we immediately returned. We received bills on the product and called them, wrote letters disputing it but they did not remove it. This company is unethical and unprofessional and they can not show proof of anything other than saying it was disputed. I spoke with collections and they could not bring up any information and sent it back to billing. I am out of resources to remove this from my credit report as well as from my husbands.