davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX Opened XX/XX/XXXX {$26000.00} XXXX XXXX Opened XX/XX/XXXX {$380.00} I dont know where these accounts are coming from these are fraudulent accounts My information may have been impacted by the XXXX XXXX TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified.
The company must also provide a notice to the consumer, and give them the option to add a statement to their file. Also, If these accounts are old, it is illegal in itself to create a new date to start the 7 years over that Ohio has which states a debt come off credit after 7 years in Ohio Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any
negative reporting during this period will be considered a violation of my rights under the FDCPA.

Please send all correspondence regarding this matter to the address listed above. I expect a prompt response within the 15-day period as required by law. 




Respectfully XXXX XXXX
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Ocwen Loan Servicing LLC has refused to process my last payment in the amount of XXXX in a timely manner. Ocwen is improperly charging me additional interest by not processing my payment. Additionally, I have no acknowledgement from Ocwen of having their received this payment. 

On XX/XX/XXXX Ocwen Loan Servicing, LLC sent a a typical monthly Mortgage Account Statement to me showing a principal balance of {$130000.00} for a first mortgage for my property.

On XX/XX/XXXX Ocwen received a personal check from me in this same amount, delivered by USPS Priority Mail with delivery confirmed by tracking number.

On XX/XX/XXXXI noted that : 1 - my check had not yet been returned to my bank 2 when I logged into my Ocwen account online, my account balance in did not reflect this payment.

I then emailed the Ocwen Ombudsman asking why my loan balance was not reduced by the above payment amount.

On XX/XX/XXXX I logged into my online account at Ocwen and noted that my payment still not posted to my account.

On XX/XX/XXXX I received a Verification of Mortgage Account letter from Ocwen that I had requested showing the balance due on the loan was unchanged from the XX/XX/XXXX statement amount.

ON XX/XX/XXXX I issued a stop payment for the check that Ocwen had received on XX/XX/XXXXand then made two payments to Ocwen by XXXX XXXX XXXX totalling XXXX.

On XX/XX/XXXX the aforementioned amount was deducted from my personal checking account.

As of this writing my online Ocwen account still shows the same loan balance as stated on the XX/XX/XXXXstatement.

I feel that Ocwen is delaying processing my payment in order to continue charging higher per diem interest than would otherwise be due if my payment had been processed in a timely manner.
Consumer complaint received 2018-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a bank of America credit card and I did it setup auto pay option for my credit card almost around 2 years, when I setup up auto pay payment, they got option minimum statement balance pay, and I setup that option, when I setup that option they have not said any amount option, just they say minimum monthly statement balance take from bank account every month, but in month of XX/XX/XXXX, I had a minimum monthly payment was increase, more then usually they take it from my account, but bank of America not take it extra deferent amount from my account, and I don't know what happen that period, I did not check online my credit statement, and I was satisfy my self, I have already minimum monthly payments from my bank for my credit card, what ever monthly statement payment they can take from my bank account, but they not take it, just report to consumer reporting agency to late my payment, when I saw that report, I called bank of America and ask, what the reason they not take it that increase monthly payment from my account, bank of America operator told me, we not cant take that increase per motion amount, which one increase from your statement, and she told me your monthly payment was {$8000.00} month and now around {$120.00} month and we cant take increase amount, I ask her, what the reason you cant take it increase amount from my account, I told her when I setup that credit card autopay setup, they not have a option how much money they have to take, just whatever monthly minimum statement balance, she said we not do it like that, if bank has not a policy like that, should be explain, when setup auto pay setup, but I don't got answer what the reason they not take it amount from my account, just I got late payment report to my credit card
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2018, a charge was made to our credit card in the amount of {$2100.00} from a XXXX XXXX store in XXXX XXXX, WA. I called and filed a claim. Bank of America assured me they would give us provisional credit and to deduct that amount from our XXXX payment, which I did. I called the XXXX XXXX store and spoke with their bookkeeper. She faxed over documentation ( purchase order, invoice, receipt and sign pick up slip ) to our local XXXX XXXX store in XXXX, WA. It was clear from the paperwork that a contractor, XXXX XXXX XXXX, fraudently used our credit card number to order a XXXX generator. He used his phone number, signed his name, but used our name and address to order it ( misspelling both ). 

I forwarded this information to Bank of America. A few weeks later, we received notice that the dispute was closed and we were required to pay the money. 

I called again to complain that this was an obvious case of fraud, with proof. They reopened the case, gave us provisional credit, and again asked for documentation to be provided by XX/XX/XXXX. I went to the local Bank of America branch to fax the papers on XXXX XXXX. That same day, they charged our account for the original purchase amount, even before they had a chance to review the documentation we sent over. 

I called Bank of America today and they said they would look into it, but then they hung up on me.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

My old pay off Student loans All pay off XXXX XXXX loans And XXXX Equifax XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

I have had a membership with Experian. Specifically an Experian Credit Tracker account. I have attempted to call several several times to cancel my subscription/membership. When I finally give the automated system all of the required information and follow the several prompts. The system informs me that I do not have an account and disconnects. There is no option to speak with a representative or enter my account number. 

I have also attempted to email the company and have had no response.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NC)

after I filed these complaints, They still called the next day.

However, I did call them, all the guy wanted to do is belittle me and tell me this is not customer service. He said his bills are paid.

I in fact set arrangements and they still attempted to threaten and harass me about the bill.

Now, they sent an update to the credit bureau and put 120 days past due. Out of spite ... I even have automatic payments going to them.

That's not what they agreed upon. they are dirty..

NC was included in a Natural Desaster Area and I was included in a flood area.

I lost work due to Hurricane Florence.

I will also contact the NC Govenors Office because of this. Consumer affairs.

Yes, it was a past due account, but now they will not allow me to follow through with the arrangements since they wouldn't stop calling, I told them to cease and desist. any and all communication.

They stopped calling, but they are trying to affect my credit in a negative way now, since they did not get their way.
Consumer complaint received 2017-10-01
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: AMERICAN EXPRESS COMPANY (IL)

American Express routinely bombards me with phone calls with offers, such as " free '' hotel stays. They are NEVER free. I told XXXX to stop the calls, and yet they persist. More recently, they called telling me, that because I was a " good customer, '' they were awarding me XXXX bonus points. The call came from a person with a heavy accent. When I asked where she was calling me, the line was disconnected. American Express refuses to stop these calls and refuses to live up to any of its promised promotions. I already have canceled some of my accounts with American Express and in the coming months, will cancel the rest. But I know that means nothing to such a huge company. They need to be made to held to account for such shameful -- and fraudful ( is that a word? ) marketing.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XXXX/XXXX/XXXX, I charged my HSBC credit card {$20000.00} to pay XXXX XXXX XXXX XXXX XXXX XXXX for tuition on behalf of my son. On XXXX/XXXX/XXXX, I paid back the entire {$20000.00} to HSBC to avoid interest charges. On XXXX/XXXX/XXXX, XXXX refunded {$19000.00} ( tuition refund ) to me through my HSBC credit card. On XXXX/XXXX/XXXX, knowing that my credit card account had money, I used the mobile app to transfer {$19000.00} between accounts, from my credit card account to my savings bank account. On XXXX/XXXX/XXXX, I found out my credit card was charged {$590.00} ( see attached statement ). I called HSBC and the agent told me its for a cash advance fee on {$19000.00}, the tuition refund that I received. So, I paid a cash advance fee on my own money. I was told that any time I transfer from a credit card account on my own, I would be charged a cash advance fee regardless of whether I have money in the account or not ( i.e. refund/overpayment ). I told him I was unaware of this, and it is unfair and makes no sense that I have to pay a cash advance fee on my own money, HSBC didnt pay me any cash at all. The agent was very nice ; he helped me to submit a request to waive the cash advance fee as a one-time courtesy. The request needed manager approval, but he was unable to get the approval because the manager was unavailable. He said I should receive a call around Monday, XXXX for the outcome. By XXXX, I had not received a call, so I contacted HSBC again. This time, the agent retrieved my request, and tried to get manager approval for me, but then she informed that there was a manager meeting in progress and I should receive feedback within 2 days. After two days on XXXX, I called again, another agent tried to get the managers approval for me, but yet again, the manager was unavailable. The agent told me I would receive a call once its done. I am frustrated ; it seems like the XXXX is avoiding me. I made all calls during the regular business hours and as of today, I have not received a single call from HSBC. It is also worth noting that the HSBCs mobile app and website allow people to transfer easily from credit card account to savings/checking bank account, but there is no warning that a cash advance fee will be charged even if you have money in your account ( see attached Transfer between Account ). Other banks ' websites dont have the option to transfer money from credit card account to bank account. For instance, Chases website doesnt allow any transfers from a credit card account to savings or checking account ; you can only transfer from savings/checking account to credit card account. I have tried to resolve this issue with HSBC, but was not successful. I hope Consumer Financial Protection Bureau can help me. Thank you!
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (NY)

After receiving an initial letter from XXXX XXXX XXXX ( ERC ) I replied in writing that I disputed the validity of the alleged debt and that any future communication from them was to be exclusively in writing ( no telephone calls to any number ). To date I have not received any verification or validation information or even any acknowledgment of my dispute and they continue to call my cell phone ( sometimes multiple times per day and/or early in the morning ) despite receiving both written and verbal cease communications orders.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

I switched internet and cable television providers and ended up having a final bill that was owed to XXXX XXXX XXXX. After transitioning to the new service provider and automating the payments for the new account the outstanding bill for XXXX XXXX XXXX was no longer set up for payment. 

I was not made aware of the outstanding balance until I recently began looking at my credit report for a home purchase that we're trying to make and it showed a collections account for {$91.00} from XXXX XXXX XXXX and is reporting negatively on my report. 

I contacted Diversified Consultant to see what was going on. I asked them if they could provide some proof of attempts to contact me regarding the debt but they were unwilling to help repeating there company line " it was an attempt to collect a debt and they could only take payment for the debt ''. I requested a supervisor asking them to please remove the reporting to the bureaus because they had not adequately done their due diligence in trying to collect the debt before hand. 

I am happy to resolve this but I am not happy about {$90.00} effecting my credit score and the arbitrary practices of XXXX XXXX XXXX and Diversified that are preventing me from securing the financial benefits that I need to help build my financial future. Please help anyway you can to get this matter resolved.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

The complaint for AMERICAN EXPRESS company with my American Express XXXX XXXX XXXX Credit Card. I have issued with this company because part of my reward is missing. I applied this card on XXXX XXXX and got approved on XXXX XXXX, XXXX. On that time, the Amex company offer that card with " Earn up to XXXX bonus Starpoints Offer ends XXXX/XXXX/XXXX. As with the consumer card, you would earn the XXXX points in two stages : XXXX after you use the card to make {$5000.00} in purchases within the first three months, and an extra XXXX after you make an additional {$3000.00} in purchases within the first six months. '' I met the purchased requirement on the first month I opened this card ( used {$5000.00} in first month ), however I only got XXXX star points until right now. I talked with American Express customers ' representative many times, different people gave me different answers. They mentioned me different people have different card offer, so they open the investigation for me on end of XXXX. On last time I chatted with one customer representative ( either XXXX or XXXX, I can not remember right now ), he confirmed I am in the " XXXX '' offer list, another XXXX points will be released end of XXXX. Right now, is XXXX XXXX, XXXX, I still did not receive the another XXXX points. I called them today, their answers are totally different than last time. They told me I am on the XXXX points lists, different people have different offer. 
However, I am 100 % confirmed when I applied this card, my offer is XXXX points. After searching all the other websites, I confirmed the offer expired on XXXX XXXX. Right now, American Express Company removed all the XXXX points offer information on its website, but if you google '' AMEX SPG XXXX '', you can find many websites have the offer information. The card is not selected customers card, it opened to public who want to apply. 
( I listed some websites who have this offer information : https : XXXX https : XXXX http : XXXX ) The company right now do not want to give me another XXXX points. They made the distinction between me and other applicants. I want you guys can solve this issue for me. I am the customers of Amex, I want this company to treat me fairly. If necessary, I can provide all the information about my card, offer and any other if you guys need. Thanks for the help. I will wait for the reply from you guys.
Consumer complaint received 2018-10-19
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: JPMORGAN CHASE & CO. (NY)

XXXX  Chase Auto - Inquiry From XX/XX/XXXX Est date of Removal : XX/XX/XXXX This Inquiry was not me. this is a result of identity theft. 
I was paying XXXX XXXX & XXXX XXXX XXXX to fix this and it never was removed from my Credit Reports.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, 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. (GA)

I have XXXX credit inquiries on my Transunion credit report that are not only unauthorized but I have never heard from the companies. I have contact the companies who say they have contacted Transunion to remove these inquires and they have not done so. Transunion refuses to help me and continues to deny all disputes I have made on this matter. The inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-XXXX XXXX
Consumer complaint received 2018-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX  have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX not mine
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MD)

XXXX XXXX XXXX charged me a returned payment fee {$27.00} when I had money available in my account I checked my balance before phone ordering my payment and I had money in my account. Turns out that XXXX XXXX XXXX got paid twice and still decided to charge me a returned payment fee of {$27.00}
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

It all began when I got a check from a friend. She lend me {$8700.00} and gave me a check on XX/XX/2018 which I did deposit it on the XX/XX/18. she didn't had the money but she made a transfer from other of her accounts on XX/XX/18. Unfortunately the check was bounced because she the funds she transferred weren't available. So, I had a bounced check. 
She gave me another check of {$8000.00} on XX/XX/18 showed me that she had the funds available, I deposited the check that same day and the money was pulled from her account the same day, XX/XX/18. Unfortunately Chase which is the bank where I have my account, put a hold on my money from XX/XX/18 until XX/XX/18 and they're saying that it is because they haven't got the money and that because, I had a bounced check from that same person, I have to wait until they get it. 

The money was taken out of my friends account since XX/XX/18, i don't understand why I have to wait 8 days to get my money.