davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I have been trying to work with PHH Mortgage for several weeks over my loan modification. My loan matured in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I asked PHH if they ever called me or sent an email to let me know of the loan maturation as I did not remember from when the loan was given in XXXX. PHH informed me they never called nor did they email, but they said a letter was sent in XX/XX/XXXX, but could not prove the letter was ever sent as there is no tracking or signature for the letter. 

On XX/XX/XXXX PHH said my application was " complete '' and furnished a letter saying the same. On XX/XX/XXXX I talked to XXXX, my customer representative who said I was missing documents and my application was not complete. I asked to talk to XXXX, his supervisor, who never called me back as of XX/XX/XXXX. I talked to another supervisor who said I did not need to supply all the documents I was told to supply and he would make my case a " top priority '' and would " expedite '' the process and he would call me back with an update. I never received another call from this person and when I called on XX/XX/XXXX I was promised things would be reviewed. I never heard back on XX/XX/XXXX and I called back on XX/XX/XXXX and was told I needed more documents I had not been told about. On XX/XX/XXXX I was once again asked for more documents, this time by XXXX. I was told I needed to do a hardship letter, which was asked for by XXXX XXXX XXXX, the investor. This request came through on XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked if this was normal or just something pertaining to me. XXXX said this never happens, which leads me to believe they are discriminating against me for some reason. I have yet to hear from the supervisor who said he would call me back, even after calling three times today. 

PHH has been impotent, incompetent and irresponsible. They have forced me to stay with them for this modification and loan as I can not get a loan with any other organization since I am now delinquent on the loan. My credit score, which was over 750 is now in the low 600 's, making getting a HELC impossible as well. They are forcing me into their program at whatever rate they want as they know I can not go anywhere else, which is predatory in nature.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I flew from XXXX  to XXXX on the XXXX pm flight with Spirit Air. On this flight I was told that if I applied for a spirit master card and was approved one of the benefits I would receive would be a free carry on for all flights booked with the spirit master card. I was approved and as I went to book my flight learned that this benefit that was communicated to me but the spirit flight attendants on this flight was incorrect. I have spoken to ten different representatives across various departments and have been told each time that there is nothing that can be done. I now have a credit card that does not give me one of the benefits that was promised to me.
Consumer complaint received 2022-07-08
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: TRUIST FINANCIAL CORPORATION (TX)

Got initial notice from XXXX XXXX saying there was a credit check done by Truist. then received a letter from Truist that this request was determined fraud and they closed the account. 
Account number that was created : XXXX Truist caught this was fraud and closed the account to protect me.
Consumer complaint received 2023-03-17
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2022-03-09
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 
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 2018-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

My account number with Freedom Mortgage is XXXX Freedom mortgage 's website is very glitchy and does not properly take in payment information. I've had several incidents were I've had to resubmit the mortgage payment which made it difficult. 

In the month of XX/XX/2018, the account number did not copy and paste over correctly ( it was missing 1 digit ) - to my knowledge I copied the full account number, due to this Freedom Mortgage charged me a late fee which now totals {$100.00} They do not notify anyone via e-mail if a payment does not go through, even though they send notifications for other purposes via email. They state they send a letter which doesn't come until 20 days after you make a payment which in turn allows them to enforce the late fee. They also do not allow you to setup recurring drafts until you 1 month ahead of the payment schedule, which means you must pay a full month 's mortgage in advanced. 

These practices that Freedom Mortgage participates in are deceitful and unethical, they should be reviewed and fined by CFPB. I want my {$100.00} refunded back to me as well.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I know that these accounts are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
I have requested proof multiple times for incorrect status and balances. Please delete the following accounts : XXXX XXXX XXXX   XXXX XXXX # XXXX ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX UNVERIFIED PLEASE DELETE XXXX XXXX XXXX # XXXX ACCOUNT NOT MINE PLEASE DELETE XXXX/XXXX XXXX XXXX # XXXX DUPLICATE PLEASE DELETE XXXX/XXXX  # XXXX DUPLICATE PLEASE DELETE XXXX  # XXXX WRONG BALANCE ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I was doing my budget for the month and saw three charges for XXXX dollars ( totaling to {$250.00} dollars ) for XXXX gas stations. Two charges occurred on XX/XX/XXXX ( at XXXX EST ) and XXXX EST ),  while another charge occurred on XX/XX/XXXX. When I saw the charges, I immediately called Chase and told them that my debit card had been stolen and that it was used frauduantly. They told me they would put a credit back onto my account and would do an investigation. On XX/XX/XXXX I received a letter telling me my claim had been denied. I called Chase again and they told me that because I had logged in before to check my balance and since the card was inserted into a gas pump that I was liable for the charges. I argued with them and told them that I was asleep at the time. I have GPS from my phone showing that I was 15 miles away when the charges happened. They told me, " It's most likely fraud, but we are not reimbursing you. '' I filed a police report shortly after and then called the XXXX stations that were involved. They told me that they would not reimburse me, but that they would give me the number of the managers. When I called the managers I was informed that there were {$170.00} dollars that were bought of diesel gas at the pumps. I do not, nor have I ever owned, a diesel vehicle. I called again and the same run around. I was told they would reopen the claim but would not take into account the following items : GPS records, police reports, or receipts of the items. They told me that the only other option was to handle this matter in other ways. When I asked if that meant taking them to small claims court, they responded, " That is one method ''
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (WI)

American Express arbitrarily lowered my credit limit from {$11000.00} to XXXX, only {$190.00} above my current balance of {$4300.00}, effectively making the card unusable for future purchases, and based upon the next billing payment, would effectively force me to go over the credit limit. This not only affects current spending ability, but seriously lowers my credit score since debt to available credit is now a much higher percentage. Credit card companies should not be able to do this to hurt consumers. American express did this to me once before back in 2008 during the financial crisis. I have never been late or missed a payment on ANY of my credit cards or other credit related instruments in 17 years, the length of my credit history.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

First Wire Transfer Issue : {$58000.00} - Failed domestic transaction to XXXX / XXXX XXXX, " lost '' in HSBC 's system. 

At the end of 2021, I was on a tight deadline to buy pre-ipo shares of a company I had just left ( XXXX ). I ended up doing an XXXX transfer from my XXXX XXXX XXXX account, but sensing that it might not make it in time, I initiated a wire transfer from my HSBC account. XXXX made it through and paid for the shares. The HSBC wire never made it and has been in limbo ( not returned to my account ). 

Numerous calls with HSBC customer service have been dead ends. Responses range from " the money is on its way back '' to " it's the wire department 's issue '' ( who are notoriously hard to contact ) - to " contact the recipient. '' I recently spoke with the XXXX XXXX team, and their records indicate that only the wire from XXXX XXXX  XXXX made it through to their end. 

I will need this money soon and am reaching out in desperation and waiting, hoping it would eventually be returned to my account to no avail. 

To complicate it further, HSBC has transferred my account to XXXX XXXX. 

Second Wire Transfer Issue : Failed International Wire {$5700.00} Also at the end of 2021, I initiated an international transfer that got returned. Again, I asked HSBC to return the money to my account, but it remains, as far as I know, stuck in a wire transfer limbo.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (TX)

Nationwide Recovery Sys Is in violation FDCA by reporting collection for a debt that I was never notified of prior to dispute. 
I was never provided any information Further it is reporting inaccurate information as I have NEVER been to a XXXX XXXX XXXX The account reports I owe {$790.00} Opened XX/XX/2019 Original Creditor KXXXX XXXX XXXX XXXX XXXX I contacted the facility where the creditor is listed and they were unable to locate me or my name. 
My rights were violated please resolve
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper has continued to decline my application for a loan modification and prolong the process with needless demands to resubmit documents. During this process the appraisal I was instructed to pay for expired due Mr. Cooper 's negligence. Despite the documents I submitted, Mr. Cooper reviewed and listed the incorrect income and insurance costs and property value as they repeatedly declined my loan modification application. As a result, my home is now in foreclosure, again, due to Mr. Cooper 's negligence.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (ME)

On XX/XX/XXXX XXXX XXXX took over my mortgage from XXXX XXXX. I had try to re-modify my loan with XXXX XXXX  and XXXX and both broke there contract with me. On XXXX XXXX I went to court against XXXX and agreed on a deed in lieu foreclosure. I had agreed to XXXX dollars and 90 days to vacate. When XXXX found out in XX/XX/XXXX I was granted sole ownership of the home in a divorce settlement and my former wife 's name was on the note that said she had to sign a quick claim deed, I stated I didn't know where she lived- plus for 1 year starting in XX/XX/XXXX during our separation the money I gave her weekly to pay XXXX bank the mortgage. She didn't for 1 whole year and the house went into foreclosure without me being notified because she didn't want me to get the home. When a foreclosure sale date of XX/XX/XXXX was set, XXXX was caught lying to me saying that now she didn't have to sign anything. I called HUD and made a complaint and the sale was canceled. I have been waiting for a hearing to get XXXX, I am XXXX. In XX/XX/XXXX they transferred my mortgage to Caliber homes. I explained my long dispute and should be getting XXXX within 6 months. In XX/XX/XXXX XXXX. sold my loan to XXXX XXXX XXXX .They called for a auction sale XX/XX/XXXX I received notice in the mail XX/XX/XXXX.I called and talked with Caliber and they sent me forbearance paperwork. The same day someone else from Caliber called and denied me-without explanation. I I have a hearing for my XXXX on XX/XX/XXXX and the bank or mortgage company will not allow any more time for me to get my money and re-modify my home loan of 23 years.I worked at XXXX XXXX  XXXX XXXX in XXXX XXXX, Maine for 26 yrs. I became XXXX in XXXX. I was married XXXX yrs this bitter devastating divorce put this whole thing in motion. They want to sell asap because they know they will make a bundle off my misfortune. they all lied, broke contracts and was severely penalized by our government for these illegal business practices and are still doing it, I worked my whole life for this home and they just want another quick buck. I love my home and my land, I am grateful for any help in holding them back for just a month longer to re modify. Sincerely, XXXX XXXX
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (TX)

Onemain financial company belongs to my daughter, I call my daughter, and she told XXXXr that it had been only 20 days late, but on their ( onemain ) contract it stated it have to be 30 days late before they put it on your credit report and. My daughter let me know that she was paying it tomorrow, which she did, and it wasn't 30 days, it was only 21 days late, but the worker threaten me about this if I didn't pay for my daughter bill, when my daughter wasn't actually late, so she put this dispute on my credit report and I would like to dispute it please
Consumer complaint received 2020-07-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IL)

Starting in XXXX of this year, I made repeated attempts to communicate my concerns with someone, anyone at Freedom Mortgage. 
I have not been contacted I have been ignored. 
I contacted my agent XXXX XXXX, by email, voice mail and messages left with customer service agents. 
And his supervisor XXXX XXXX again by email, voice mail and several messages left with customer service agents. When I asked to speak to a supervisor, I was put on hold until I had to gave up after 56 min. 
When, my sales agent XXXX XXXX was selling me he was very attentive. After, Mr XXXX, succeeded, in misleading me to refinancing with Freedom Mortgage. 
He has not returned any of my calls or messages, since he closed the deal. 

I'm not sure what the fiduciary responsibilities of a mortgage company are but I'm sure there must be some regulations, about responding to a customer. 
How long can they successfully avoid a loyal, paying customer? 
To date I have been ignored. 
No one has returned any of my phone calls, emails, text and several messages to Freedom Mortgages automated message center. I left messages with customer Service agents, and the automated message center. 

I received, automated acknowledgement emails that my messages were received and that they would respond to me. 
The messages did not say who or when. 
I have not been contacted I have been ignored I believe l may have been targeted as an older customer and promised misleading statements until I thought I was getting what I asked for. 
It appears to me that Freedom Mortgage had only one concern and that was closing the deal and booking the contract.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX Payoff ordered XX/XX/XXXX. It was even escalated on XX/XX/XXXX. THREE WEEKS LATER WE STILL DONT HAVE IT!!!!!!!!!!!!!!!!!!!!! -- -- -- -- -- -- -- -- -- -- - At this point PNC is well outside Federal and State guidelines for providing a Payoff Demand, the consequences of which include Civil & Criminal Penalties. 

-- -- -I want the Payoff Demand delivered to us without further delay or pathetic excuses. THIS IS RIDICULOUS!!!!!
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (TX)

XXXX XXXX XXXX XXXX XXXX - First, you get a recording from phone number XXXX telling you to call the number above about a debt. I have called the number and they ask for a lady named XXXX. My name is XXXX and this is obviously the wrong number. I have called them times to ask them to stop but the calls keep on coming. 

PLEASE HELP AND MAKE IT STOP! 

Thank you, XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NV)

THIS COMPANY " CREDIT COLLECTION SERVICES '' WAS REPORTING NEGATIVE ILLEGAL INFORMATION ON MY CONSUMER REPORT AND DAMAGING MY CREDIT SCORE. I NEVER DID ANY BUSINESS WITH THIS COMPANY NOR HAVE I EVER EVEN HEARD OF THIS COMPANY. I WROTE THEM MULTIPLE LETTERS ASKING FOR DEBT VALIDATION ( WHICH THEY DID NOT VALIDATE THAT I OWED THEM ANYTHING ) AND SUBMITTED A COMPLAINT THROUGH HERE AS WELL.