davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

My last complaint was on XX/XX/year> and PHH responded on XX/XX/year>. I then submitted a replay and then to see that they closed the complaint. 
So, I want to send the response again so that PHH can see it because I felt like nothing was resolved here by expressing the difficulties it's been dealing with this loan modification and being denied. Here is my response... 
I appreciate the response back from PHH although some of their information has been misinformed from my behalf of their representatives that I have spoken to. I did speak to my relationship manager on XX/XX/XXXX at XXXXXXXX XXXX., when speaking with him I let him know my concerns and what was going on and he informed me that he could have a supervisor or manager call me. On friday XX/XX/XXXX at XXXXXXXX XXXX., the supervisor called me, I explained to her my situation and everything going on and yes, I even said I could make 2 to 3 mortgage payments right now. In return she said to me you have to pay the total balance owed. I explained to her can we work something out and then she said that she would speak to upper management and let them know our conversation. She said they would respond back to me within 24 to 48 hours during business days so that means I should have received a phone call by Wednesday, XX/XX/XXXX. Also, per you letting me know to contact the Ombudsman office and I did call and leave a message on Thursday, XX/XX/XXXX so that means I should hear back from them by Tuesday XX/XX/XXXX, as you stated calls will be returned in 2 business days. I have even sent several emails to many of the emails PHH has referred to me and all I have received is generic email stating they've received.The emails still have not had a response to my question and it has been over the 2 business days time frame. So my point is PHH has constantly told me one thing and did not follow through. It's very frustrating that this matter keeps dragging out and by not responding in a timely fashion as if it states how many business days to do so. Most importantly one of the things that really stuck out for me was " your priority is to help customers remain homeowners. '' I feel that this is not being prioritized and that the 2 business days to respond have not happened on two separate occasions within the last week and a half. I would love for us to work together and have some type of resolution on what we can do to make myself the customer and you as my mortgage company come up with a plan together on how this can be resolved. Again, as you stated " Your priority is to help customers remain homeowners. '' Thank you for your time.
Consumer complaint received 2023-11-23
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NH)

I have tried to activate auto-pay on my EdFinancial account 5 times on : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I have submitted it, I have received an email stating the request has been received, and that the request will be processed in the next few days. 

Only after calling EdFinancial 's support phone number on XX/XX/2023 was I told that there was an " exception '' on every auto-pay request I have submitted, and that it needed to be manually reviewed. I was told that it could take up to 3 months to manually review the request. Also, since I submitted multiple requests, each request would reset that timer, meaning I will need to wait 90 days from XX/XX/2023 rather than from the first request I submitted in XXXX. 

At no point in the last 5 months was I aware of this exception. In that time, I have not been given the interest rate reduction required after setting up auto-pay and, as I thought auto-pay was already active on my account, I have been late on a payment. This is clearly an attempt at confusing and slow rolling student loan borrowers so they can continue to harvest the 0.25 % interest rate for months after receiving an auto-pay request.
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX XXXX XXXX XXXX XXXXXXXX is trying to collect {$760.00} from me for my kids service date XX/XX/2023. It's a simple XXXX XXXX visit for both my kids and covered by insurance but they never filed it to the insurance and started sending me amount due letter from XX/XX/2023. I tried multiple times to call them and even had the insuracne company call them once so they can file the claim but they didn't do anything and continued to send me collection letters. I sent them a certified letter XX/XX/2023 asking them to provide me the detailed bill and proof that they have filed the claim with insurance. I didn't get any response to that letter. 
On XX/XX/2023 I went in person to the dental office on XXXX XXXX XXXX XXXX Arizona and they promised that they would file the claim with insurance company. They did file the claim with the insurance company for my XXXX  XXXX  and insurance denied the claim with the explanation that since the provider didn't file the claim in time they can't pay them with with mention of XXXX Patient responsibility. For my XXXX XXXX  no claim has been filed with the insurance company. 
On XX/XX/2023 I have received a letter dated XX/XX/2023 from a debt collector agency Transworld Systems Inc that I owe {$760.00} to XXXX XXXX. At this point this is between the provider and insurance company.
Consumer complaint received 2024-07-22
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. (FL)

I am writing to request information about the verification method your bureau uses to confirm the accuracy of disputed items on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly ask for detailed information on the following : The specific method or process your bureau uses to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing transparency about the verification process. This information is essential for me to fully understand how disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

SPS agents have posted my monthly payments incorrectly, hurting my credit score. My score went down XXXX points on XX/XX/XXXX due to SPS reporting my account as being XXXX  days late. I have never been late on my principal and interest payments with SPS. 

I'm afraid I have to disagree with the monthly estimated escrow assessment performed in XX/XX/2023. Also, I'm afraid I have to disagree with the calculations provided when I dispute the estimate. My real estate taxes are only {$550.00} every XXXX months. My experience with SPS has been horrible since my mortgage was sold to you in XX/XX/2023. My mortgage is getting sold again
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (NY)

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. Mohela U.S. Department of educationXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2024 I noticed my check # XXXX in XXXX of my accounts at Citizen 's Bank in XXXX was cashed for {$12000.00}. I had written that check for {$650.00} to my lawyer, XXXX & XXXX, but the name on the photo of the cashed check had been altered to XXXX XXXX XXXX. I went to the XXXX XXXX XXXX XXXX XXXXnd filed Report # XXXX. I called Citizens Bank the next day. A week or XXXX later they sent and I completed an affidavid as requested. Since then I have asked for updates. While the customer service reps DID confirm they had received everything they needed from me, they REFUSED to give me an update, an explanation, or to connect me to the fraud department. My aunt had the same thing happen with her account at XXXX and that bank reimbursed her in XXXX weeks. This is going on XXXX plus months. Citizens told me at XXXX point it " looked like a mobile deposit ''. That's on them for allowing risky activity like that.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (OR)

In XXXX of 2023, some unknown person got unauthorized access to my American Express account ( an Hilton XXXX card ) and added XXXX authorized users, all of whom I do not know. I immediately contacted Amex and was put through to their fraud department and told that those unauthorized cards would not be printed and were removed from my account, and that I would get a new card. Several days later, all the cards arrived in my mail and I started being bombarded to activate the cards for my authorized users. I called Amex, who again said they would remove those unknown persons from my account. I have recently called again, over XXXX months later, because these names remain on my account. Amex keeps giving me a run around how they need 30 days to remove these fraudulent names off my account ; over a week since my last contact with their fraud department and they are still on my account and they claim they are " investigating ''. If I don't want someone on my account, it's my right to remove them, but it's so wrong to keep these names on in fraud. Absolutely unacceptable.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Account Number : XXXX has violated my rights. Or 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 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Deposited a check into my business account, after the 10 day hold was released and funds was available ; the bank ( CHASE ) restricted me from the account not allowing me to pay any of my bills, withdraw money, nor transfer money. The bank has had time to verify the check during the 10 day hold and although funds are available Chase Bank will not allow me access to my funds. I feel this may be a violation of my federal rights.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

The companys handling my federal loans, Edfinancial, has failed to set up auto pay after multiple requests. This causes interest on my payments as they tell you auto pay is set up, the the due date comes along and it says Im late. They can not tell people auto pay will be set up in 2-3 days and it not reflect. I called customer service and they say it takes 2 billing cycles which is unheard of on any other auto pay I have. I did wait an entire billing cycle but it still failed to go through. Long story short, auto pay not working, they tell you it is, you miss a payment.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (VA)

I am writing to express my deep concern and frustration regarding the handling of multiple disputes on my account. As a long-standing customer, I have always trusted Chase to uphold the highest standards of service and integrity. However, recent events have led me to question this trust. 

On XX/XX/XXXX, I made a purchase for {$1300.00} from XXXX, which I later disputed after returning the products to the merchant due to late shipment. To my surprise, Chase inexplicably separated this purchase into two parts of {$680.00} each. What is even more perplexing is that one of these claims was closed while the other remained open, despite both transactions having the same transaction number. This inconsistency raises serious concerns about the processes being followed and whether they align with Chase 's stated policies on customer rights to dispute. 

Following this incident, I filed another dispute for {$2000.00} related to a XXXX XXXX purchase on XX/XX/XXXX. This claim was also closed prematurely, despite my submission of the required credit voucher from the merchant. It is baffling how a claim can be closed within minutes of submitting necessary documentation, yet reopening a claim takes 5-7 business days. This disparity in processing times is not only frustrating but also suggests a lack of due diligence in handling my disputes.

I have been consistently directed to various departments without receiving a clear or satisfactory resolution. Each interaction only prolongs the issue and causes unnecessary delays. I want to be clear that if Chase does not address these matters promptly and fairly, I will be forced to escalate this issue to the highest levels, including seeking external recourse to protect my rights as a consumer. 

I urge you to reconsider the handling of my disputes and provide a swift and fair resolution. I expect prompt communication on the next steps and assurance that my concerns will be addressed appropriately. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On Tuesday XX/XX/XXXX, at XXXX, I submitted a " Next business day, {$0.00} fee, ACH XXXX XXXX XXXX XXXX cutoff time '' using my personal Bank of America checking account. 

As of Thursday XX/XX/XXXX, after XXXX, the recipient hasn't received the funds. Have called several times Bank of America and they can not explain the reason why ACH transfer was not received during the promised timeframe by the recipient 's bank, XXXX. 

Money has been debited from my account as far as I can see in my Online Banking Account. 

After several calls and speaking with different departments, from Consumer Accounts, to Fraud Department, they always answer mentioning " I am the right person to assist you with this '' and they have not been able to proof where my money is and/or expedite the transfer.

Bank of America does not provide you with a proof of ACH transfer showing exact details, account number and/or routing number to be able to track the ACH. I requested for that and they mentioned that will be delivered after XX/XX/XXXX. 

Also, the status in the Online Banking portal of Bank of America is inconsistent in different views, some showing status as " Cleared '' and other as " In Process ''.
Consumer complaint received 2023-10-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (OH)

Complaint about XXXX XXXX with CROSS COUNTRY MORTGAGE I am XXXX  XXXX  from the XXXX. With housebound status I also incur quite a bit of approved out of pocket medical expenses. 

These medical expenses deductions, which I have documentation for, would have qualified me for the income limits that most of additional down payment assistances required. These are programs that I deserve as a XXXX  XXXX  and permanently and totally XXXX XXXX. 

XXXX XXXX did no XXXX  to assist. The context of my XXXX were completely brushed over and completely neglected. 

I remained polite throughout the loan application process, and repeatedly tried to assert that these deductions are legitimate and consequential to my mortgage options. My attempts with him made no effects, which is why I am writing this complaint. 

I am not sure what motivated him to discriminate my XXXX  conditions and the real impact it has on my life.
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This credit card was opened in 2017 as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- XXXX XXXX -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet five years later they continue to be the ONLY XXXX mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. 

Thank you, XXXX