davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
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 (MI)

Transaction XXXX/XXXX/XXXX posting XXXX/XXXX/XXXX Fraudulent charge on statement of {$210.00} from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Called and was told charge would be reversed. 
Transaction XXXX posting XXXX Charge removed. 
Letter dated XXXX/XXXX/XXXX stating claim researched and credit given. 
XXXX/XXXX/XXXX - Seven T-Shirts received in mail with no invoice and Return address of Purchase T-Shirt, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
I did not order this and I can not find this company on internet and also can not find web address as shown on statement.
Letter dated XXXX/XXXX/XXXX stating we benefited directly and are responsible for balance. 
On XXXX I notified Bank of America that I  disagreed with this and they said they would reopen case. 
Letter dated XXXX/XXXX/XXXX stating unable to assist and decision not changed. 
XXXX/XXXX/XXXX I called Bank of America and spoke to XXXX to once again dispute investigator 's  findings. She told me the investigator would call me within a few days. 
XXXX/XXXX/XXXX I called and spoke to XXXX who gave me direct line to Claims Dept as I have not received a call from investigator. 
I then spoke to XXXX in Delaware office who told me my case had been reactivated and that it could take 2 billing cycles which would end XXXX/XXXX/XXXX. I offered to file fraud report with local Police Dept but she said that would not be necessary. I was told I would get to speak with investigator and participate in investigation. 
received Letter dated XXXX/XXXX/XXXX - identical to letter dated XXXX/XXXX/XXXX. 
Transaction XXXX posting XXXX Charge was put back on stating we benefited directly. 
I did not order these these t-shirts. These shirts are of no benefit to me and I will gladly send them to Bank of America so they can enjoy the benefit they think I got. I have never heard of this company. I have offered to file fraud report with local police depart. I am willing to take a polygraph test to prove I did not order these shirts
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, XXXX I made a purchase on line with XXXX tickets with XXXX via American Express card. Immediately the prices were different as advertised so I called Amex to cancell the transactions, the agent said I needed to call the merchant, so I did and the next bill it was removed and credited. Untill the following bill XXXX XXXX the amount was added to my acct. So I disputed this with Amex and they later sent me a copy from XXXX that they had a glitch in there billing system and that they credited my sales by mistake. Than I submitted proof of my cancellation through XXXX phone logs. So Amex has been in cahoots with XXXX to keep this charge. It doesnt matter that Ive ben a loyal Amex customer for 17 years, to no solution.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (SC)

Back in XXXX or so not long after opening an account with wells fargo I noticed another account that I had never opened. Brought it to their attention they apologized and closed it. Not long ago I heard wells fargo was in trouble for opening accounts without customers consent, so I was telling them about it hapened to me some time ago, after looking into it further they noticed XXXX accounts that had been opened. After leaning all this, I have done some research and found out wells fargo employees were telling people that opened accounts that they had to open a saving account too in order not to be charged fees, well that happened too. So technically there were possible XXXX opened without my consent, and a savings account opened cause I was led to believe it had to be.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Udren Law Offices, P.C. (NY)

How many lies this horrible lying law firm is doing. First they never reply to me and CFPB specifically mention that this lying Law Firm must respond., The specialty of the lying law firm is doing thins behind close door in a top secret action as theory try to defraud my property. Udren Law Offices , P.C . miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. Judgment in the action docketed in the Court of Common Pleas of XXXX XXXX at docket XXXX on XX/XX/XXXX and the property was sold illegal abusive and in a top secret close door action at Sheriff 's sale on XX/XX/XXXX. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XX/XX/XXXX. We will go all the way to the Supreme Court of USA if necessary since this lying law Firm specialty is denigration people. The Appeal is from the Court Order denying ( due to question marks practices ) his petition to set aside the sheriff sale. The firm continues to act as counsel for the lender in the appeal. This is the third CFPB complaint of this consumer. There are no facts to support averpments of fraud. Allegations of vandalism costing {$260000.00} are correct since the law firm had direct interest in doing it in order to defraud the banks and you can see it in many legal cases against this lying law firm.. XXXX did their best to defraud my property without having a deed or any legal [ paper from XXXX until XX/XX/XXXX so they ate lying to you again. as XXXX enter inside my property o XX/XX/XXXX, XXXX and I have picture of it, Moreover, the firm did was present when they change the locks at the property. Allegations of misrepresentation and bribery are simply correct and will be proven inside the Court off law not in criminal behavior of this lying law firm. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that Udren is doing to my property for which I do not have any mortgage and my name is not on any mortgage note in this planet. CFPB must remand that this Law Firm must compensate all victims they defrauded the for so long.
Consumer complaint received 2017-10-31
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: Resurgent Capital Services L.P. (AR)

I received a response from LVNV fundinXXXX, I never got a response from this collection agency until, I contacted CFPB. I 've asked for a resolution and as the company has only provided a bill, but not a copy off the contract according to the FCRA they have n't submitted anything validating the debt to LVNV. I 've asked for this verification and still to no avail has this happened. According also to the FCRA, a copy of the bill is n't validating a debt. A letter was submitted also to settle for a collection amount to XXXX XXXX. 
I 'm asking for your assistance in this matter, please assist with having LVNV provide complete verification as requested according to my rights under the FCRA. I would greatly appreciate it.
I this ca n't be done I am asking that this be removed from all 3 credit bureaus until this debt can be validated and settled. In the letter submitted it stated that we are not admitting that this debt is owed. Please ask for a copy of the letter submitted to them as well.
Consumer complaint received 2017-10-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Every year about the same time, Ocwen Loan Services states that the Escrow is short, and they missed a Tax payment on purpose, to have an excuse to collect more to pay the current and the late tax. 

During the past year, I have paid a Total of : {$3800.00} in Escrow taxes, all statements, and cancelled check are attached, on which {$1900.00} is for XX/XX/XXXXtaxed and the surplus is {$1800.00}, thats enough to pay the late taxes of {$1000.00} and even so, that will be a positive balance of {$850.00}. 

Ocwen makes their accountability so complicated that we dont understand and in that it makes that we keep owing Escrow payment for them. 

It is much easier if they sum all Escrows deductions and make submit 2 payments twice a year to the city of XXXX, but they have botched escrow accounts, but they keep it complicated so they can continue their wicked scheme and continue to make money on that. 

Following is what I just paid Ocwen and City of  XXXX in taxes. 

XX/XX/XXXX{$970.00} To the City of XXXX XX/XX/XXXX {$640.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$640.00} To Ocwen Concerning XXXX StatementXX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatement XX/XX/XXXX {$130.00} To Ocwen Concerning XX/XX/XXXXStatementXX/XX/XXXX {$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen ConcerningXX/XX/XXXX StatementXX/XX/XXXX{$130.00} To Ocwen Concerning XXXX Statement XX/XX/XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX {$130.00} To Ocwen Concerning XXXX Statement XXXX XXXX, XXXX {$130.00} To Ocwen Concerning XXXX Statement Total : {$3800.00} They increased my mortgage in {$6900.00} by XXXX XXXX and will increase again in interest in XXXX XXXX, and they are trying to make it so difficult that I cant continue paying and start a foreclose on my property. 

I sent a request to Ocwen on XXXX XXXX, XXXX to cancel my escrow, and I wll pay my Taxes, in order to avoid their late fees, and Ill let you know, the outputs of the request. 

Id like to receive all payments that I have mad in excess in Escrow to XXXX, I have no idea how much, but maybe is over {$5000.00}. 

Im trying to find lawyers in U.S. that are representing another homeowners against Ocwen, so, they can sue them, for that, and also for the insecurity and hardships they bring to me and family.
Consumer complaint received 2018-09-08
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: Resurgent Capital Services L.P. (OH)

talk to the original creditor if they informed me that the dead is 20 years old good standing with the company you can open an account at any time send a letter on XX/XX/XXXX to collection agency along with all three credit reporting agencies and XXXX XXXX They have not responded within the 30-day. They have not removed the claim from my account I have no contract with this agency it before no services for me they are committing fraud I want this account removed XXXX XXXX c/o resurgent capital services for a XXXX account for XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC (TX)

I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A request was submitted to have my information updated by this Bureau on several occasions, my personal information has not yet been updated properly. I submitted all documentations to prove that my request was valid, i also uploaded a copy of how my information appears when i do check my report. Below indicate exactly what my request was. 


Date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX To Whom it may concern : I am writing to update/correct my personal  information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX, as it is on my social security card, XXXX and XXXX are two middle names please update. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bison Recovery Group, Inc. (FL)

Received three mailings from XXXX, The XXXX XXXX XXXX at the end of XX/XX/XXXX. One stating account is delinquent, one with a Final Settlement Offer and one a statement copy. Account number XXXX. Called XXXX on XX/XX/XXXX and spoke with XXXX. I advised that I had never had an account with XXXX. She asked for the last four of my SSN and confirmed that I am not the person they are looking for. 
Received another mailing dated XX/XX/XXXX from XXXX Administrative Offices, XXXX XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX XXXX XXXX XXXX XXXX on XXXX Credit Card account. Called XXXX on XX/XX/XXXX and spoke with XXXX. He could n't find any record. Sounded clueless. 
Two phone calls now, one on XX/XX/XXXX from XXXX, voice mail stating I needed to call. I did n't. Another call today and my XXXX year old mom answered. Rude gentleman stating I needed to call. Claims he is from some Recovery service. Same number XXXX. 
I do n't owe XXXX anything. I 've never even set foot in a XXXX store. 
I want whoever this is to stop calling and harassing me. 
The calls upset my mom.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (WI)

Below is a transcript of the messages I received, Hi this is XXXX from America debt I'm a debt collector ID number XXXX and this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach me at XXXX or you can chat with me online at America ______ paid com I a.m. in the office Monday through Friday from XXXX XXXX to XXXX XXXX and Saturday from XXXX XXXX to XXXX XXXX again I a.m. a debt collector with the mayor _____ at XXXX if I have the wrong number please feel free to give me a call and let me know thank you Ive been contacted on multiple occasions both recently and also about two years ago. I thought the incident back then was a mistake. This is somehow connected to a security breach at a former employer of mine, XXXX XXXX XXXX. Theyre attempting to collect on behalf of a clinic for a pre-employment drug screening and when I mention XXXX they always want to end th call and apologize.
Consumer complaint received 2017-10-31
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: JPMORGAN CHASE & CO. (FL)

This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2024-11-07
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. (RI)

Urgent Resolution Required for Inaccurate Reporting on Consumer Report I am reaching out formally to express my frustration regarding the lack of response from TransUnion on the CFPB complaint I submitted on XX/XX/year>. This complaint pertains to XXXXXXXX XXXX XXXX inaccurate reporting of late payments on my consumer report. According to Section 1637 ( b ) of the U.S. Code, these payments should not be marked as late. 

Despite the legal requirements, I did not receive a reasonable resolution within the timeframe mandated by 15 U.S. Code 1666b - Timing of Payments. As stated in this code, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date '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 XXXXXXXX It has been 30 days since I filed the complaint, and I request that these late payments be removed from my account immediately, as they are causing significant harm to my creditworthiness. 

Thank you for your prompt attention to this matter.
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I have reported to XXXX several times about XXXX purchases that I never received from the merchant. The first purchase posted to my account on XXXX XXXX, XXXX, for {$580.00}, and appears on my statement as XXXX XXXX XXXX, OH. The second purchase posted on XXXX XXXX, XXXX, for {$360.00}, and appears as XXXX, OH. I never received the merchandise in the first place despite tracking information shows the shipments were successfully delivered. Carriers have been known to leave packages unattended at the porch and as such anyone could have just taken it. I never heard back from XXXX regarding any of these disputes I filed.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

I am purchasing a construction home. I was advised by the builder I had to use one of their preferred lenders in order to qualify for the XXXX closing cost incentive. So I did just that & I applied with the company loan depot. I was referred to work with XXXX XXXX which was a loan officer who worked with the NC 3 % down program which is what I was using for my down payment. He took my application & never disclosed any fees associated with doing this program with his company. He later ran credit and sent out the loan disclosures ( LE ) Once the disclosures were received I notice the 1 % origination charge. I called the loan officer to get an explanation for the fee. I was then told by the loan officer that it was a fee that XXXX charges for doing the bond program. I felt like that did n't sound right so I contacted my rep with XXXX to confirm this. She advised that was not true, In fact the fee was not a XXXX  fee, but yet a Loan depot fee they charge because of the amount of money they make on the XXXX bond loans are less to none they charge the 1 % origination fee to the customer to try to make up for some of the loss. I asked XXXX to waive the fee since was it never disclosed or explained and he declined. I then found another company willing to do the loan without the fee however I asked that XXXX provide a letter/email saying that it was okay to work with another lender so that I may provide to my builder and they allow me to still get the XXXX incentive for closing. XXXX forwarded me to his manager XXXX XXXX. I missed XXXX 's phone call & decided to call him back. Soon as I got on the phone I realized very quickly how terrible XXXX 's attitude was. He began speaking over me and belittling me. He made comments referring to me a " charity case '' because of me having to use the XXXX program to get my home. He also informed me that I had a listening problem several times. I asked him would he provide the letter/email that I previously asked for from XXXX & he laughed and said " No, I not giving you anything '' The phone call started to become very disrespectful and he went on to tell me there was basically nothing I could do about it because they do n't record their phone calls. I did let him know I would be moving forward with complaints to let people know how horrible I had been treated while attempting to work with this company.