davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I entered into a COVID-19 Forbearance Plan with my mortgage servicer, Bayview Loan Servicing LLC. A copy of the Forbearance Agreement is attached. The agreement was entered on XX/XX/XXXX. The agreement states that it covers payments for the months of XXXX, XXXX, and XXXX of 2020. Representatives at Bayview have confirmed to me that payment for XXXX, XXXX, and XXXX did not have to be made and there will be no late fees and the credit report will continue to show as current. 

On XX/XX/XXXX, Bayview reported my account to the credit bureaus as 30 days late for the month of XXXX. They also charged me a late fee and continue to show my account as past due. On XX/XX/XXXX I called Bayview again and was connected with XXXX XXXX XXXX with their escalations department. XXXX reviewed the account and told me that I was 100 % protected with the forbearance agreement. I copy of the email communication with XXXX is also attached. On XX/XX/XXXX Bayview reported my account as 30 days past due for the month of XXXX. Now I have XXXX and XXXX showing as 30 days past due. Both months of which are covered by the Forbearance Agreement. 

I am including a copy of my credit report to show both late-payments and the past due status. Just to be clear, I was not 30 days past due at the time of the agreement or the month prior to the agreement. 

I am currently in the process of obtaining necessary financing and this incorrect reporting is seriously jeopardizing that possibility.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I tried unlocking my Security Freeze with Equifax on XX/XX/2020. The login feature on their website indicated that my password was incorrect. It asked me to call XXXX. I called the number and a woman asked me a series of questions about my credit history. She stated that I gave her incorrect information about my credit history ( all of the information was accurate ).

The stated the information was not showing as correct. I was able to lift my security freezes easily with XXXX  and XXXX. I'm in the process of trying to buy a home. 

I was hung up on twice by Equifax representatives trying to resolve the matter. My information has never changed and I've logged in more than 5 times over the past two years with no problems. 

Equifax either has bad data or technicians that aren't inputting information correctly to verify identities.
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

I have been trying to restart my mortgage payment with Axos Bank and I am unable to speak to anyone with accurate information. I have received a letter of Acceleration from the bank despite my effort over the past twelve month to communicate with Axos Bank regarding my Mortgage.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I contacted Portfolio Recovery Associates and advised them that I do not want them to contact me anymore back in XXXX of XXXX. Despite this request, I was contacted via phone today by XXXX XXXX and was advised that they do not have a do not call list and that they require an email be sent in. This was not what I was advised of back in XXXX when I requested the initial no contact. Additionally this is the same company that contacted me at my previous employer around XXXX of XXXX and I advised them over the phone that I did not want to be contacted. It appears that they have simply been putting my name on a call later list. I do not wish to be contacted by this company again as I am disputing the account altogether.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a business and I deposited a check paid to me from the University XXXX XXXX. 

For no reason given Bank of America has placed my check on hold for ten days. I deposited the check on Sunday the XXXX of XXXX and Bank of America is holding the check till the XXXX of XXXX. 

I've reached up to the bank and they said they couldn't give me a reason for the hold.

According to federal law they can not just hold my money without giving me any reason, and least for 10 days.

I need that money to pay bills and the bank has no right to hold my money for such lengthy period of time.

Thank you
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

payments for my ex wife bills were being paid from the account after I removed her from the account and contacted the bank several times. 
they then refused to comply with XXXX  and closed the account without my consent leaving me no access to past transactions which I need access to
Consumer complaint received 2020-05-05
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX XXXX {$7600.00} XXXX XXXX {$300.00} XXXX XXXX  XXXX XXXX {$460.00}
Consumer complaint received 2021-07-18
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. (CA)

To whom it may concern on XXXX XXXX I have asked XXXX XXXX XXXX  to provide me with the information needed to prove that I owe them. I sent the letter to them with certified receipt. I did not receive a response from their company only more incorrect reporting from XXXX XXXX XXXX. I also sent a letter to Equifax, XXXX  and XXXX asking them to validate this account and to cease all reporting until this is verified. XXXX  provided me with notification that this account was removed due to it not being accurate and unverified, while both Equifax and XXXX  continue to allow this account to linger with unverified and incorrect information that don't even match. It is my right that my information be true and accurate across the board by these credit bureaus and not be ignored.. Both Equifax and XXXX  have violated my consumer rights by allowing this erroneous reporting. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. This was not provided to me neither by Equifax or XXXX nor XXXX XXXX XXXX. Please see attached certified letter.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I asked for what i am entitled to receive for debt verification. What i received from Portfolio Recover Associates, XXXX is laughable. They told me they didn't need to provide. I am requesting 1 ) An original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor no jut buying debts for pennies on the dollar to collect illegally ) 3 ) Proof that you are licensed to collect debts in the state of Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not jus pages of an account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

Additionally, Portfolio Recovery Associates broke the law by reporting this on my credit bureau. I absolutely disputed this within my 30 day period. I have attached proof of all communication with PRA. I have consulted
a lawyer and plan to bring this to litigation if this isn't removed from my credit bureau. Portfolio Recovery Associates doesn't get to dictate what they send for Debt Validation. 

Please see attached.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am unable to unfreeze my credit at Experian using the unlock PIN and the exact same information used to lock it a couple months ago. 

I have tried calling every number to look for a human to talk with the situation. 

It looks like I will lose out on a prequal and ability to put an offer on a house because they will only respond to physical mail in 2020. This is a bit absurd and damaging to what I would like to do with the credit I have built.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, I bought a travel bundle for me and my girlfriend from a XXXX  page on Saturday night, I paid through XXXX after the recipient told me he was having issue with his XXXX. I thought there was buyer protection with XXXX. To my surprise, the seller has taken off with my money, he is not returning my messages, and Chase tells me they cant do anything. I do not understand how in this day and age we cant have buyer protection on a banking platform. The scammer knew what he was doing when he told me to specifically send XXXX.
Consumer complaint received 2021-04-26
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: Experian Information Solutions Inc. (NV)

Experian did not, will not, fix dispute issue on my credit report. The dispute involves XXXX XXXX XXXX XXXX I have advised XXXX XXXX and Experian they are confusing me with one of my adult children. I have tried to resolve this with no help from either party involved.My name is XXXX XXXX, XXXX XXXX XXXX, XXXX NV. XXXX, cell # XXXX
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2021 : 1. ) Went into my local Chase Bank Branch to verify my identity as I was asked to do after opening my new personal checking account online.

2. ) Was told by the banker at the local Chase Bank Branch that my account was CLOSED due to fraud ( suspicious activity ) and that the amount in the account ( that I had transfer from my other personal checking account ) would be sent to my home address on file by Saturday XX/XX/2021 the latest. 

XX/XX/2021 : 1. ) Called for a status update because the check still was not here after the Saturday mail delivery.

2. ) Called ( on the same day XX/XX/2021 ) the Chase Customer Service number and was on hold for 10 mins before talking to the 1st representative. They proceeded to tell me that I needed to talk to a Supervisor and put me on hold again and transferred me to ( what was suppose to be ) the Supervisor. 
3. ) After on hold for about 30 minutes " the Supervisor '' asked to verify my identity then put me on a brief 3-5 minute then proceeded to put me back in queue.

4. ) The 3rd representative ( Shenic (? ) from Chase 's Fraud Department Customer Service Line ) said that the final review of my account indicated that Chase terminated our relationship and will no longer bank with me know or in the future. I will not even get a chance to receive my funds until I go back to the Chase Bank Branch with 2 forms of ID and " Show cause of the external transfer of my funds from my old personal checking account to my new account with Chase ''.
Consumer complaint received 2020-09-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I called Equifax yesterday when I noticed a account hit my credit report that looks to be open since XXXX but shows up yesterday with 8 missed payments, for a business account, I have never heard of the company. I filed bankruptcy in XXXX why would I not include the account if it was mines along with the other accounts? What business do I have? This company doesnt even reflect a complete entity business name on the report, address or phone number. Im in the middle of closing on a property and this will make me lose my approval. I have never paid any accounts late even though I filed bankruptcy. This is an error I promise it is. Please delete this immediately. 
The live person said he was transferring me to the dispute Dept and sent me to the ivr that said it couldnt verify my identity. Please help me
Consumer complaint received 2020-10-21
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. (FL)

I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Consumer complaint received 2021-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I called Experian to dispute an address that do not belong to me. I have never lived at the address being reported. Experian will not remove the address because it is attached to an account. An account that contains inaccurate information. I would like supporting documentation of the decision being made to determine this address belongs to me, if this information can not be provided please deleted this address XXXX XXXX  XXXX XXXX. XXXX, TN XXXX.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NY)

XXXX months ago I noticed on my credit report a collection account from Ameriassist on behalf of XXXX. I never received anything from XXXX so I immediately sent a letter to the bureaus to correct the information on my report. I asked them to remove such debt from my credit report if no proof is provided that the alleged debt is mine. A month following I received a letter from the bureaus asking for proof of address and identification although I sent my drivers license, my social security card and my statement as proof of address. I sent another letter to follow up a month after they stalled and I haven't received anything yet. As of recent, I received a call from the collections agency to collect the debt. They inconvenienced me while I was at work and they were adamant about me making a payment that day specifically. Till this very day I have yet to receive proof from either the bureaus or the collection agency of this alleged debt.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This complaint is related to XXXX. 

Bank of America committed corporate fraud and theft when it withdrew an auto payment on XX/XX/XXXX when the card had a zero balance. 

Bank of America refunded only {$23.00} of the {$25.00} it stole from my bank account, keeping {$1.00} for a minimum interest charge. This is the second instance of corporate theft the bank has committed. If the initial corporate theft committed by Bank of America did not occur, the current, second theft would not have happened. The interest collected constitutes FRAUD. 

XX/XX/2020 External Withdrawal BK OF AMER MC - ONLINE PMT {$25.00} XX/XX/2020 External Deposit BANK OF AMERICA - Credit  Bal {$23.00}
Consumer complaint received 2020-07-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Regent and Associates (TN)

The debt was {$10000.00} and they took daily payments from my register daily. The loan was paid in full. It's been 3 years and I'm still getting harassed. When I try to reach out to them they call my a waste of time and hang up in my face. They put liens on my XXXX tablet and XXXX  hun doing a pandemic knowing small businesses such as my restaurant is struggling right now.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Consumer complaint received 2023-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (VA)

In XX/XX/XXXX I received a letter from Aargon Collection Agency stating that I owed {$170.00} to XXXX XXXX XXXX. The letter is dated XX/XX/XXXX, and has an " XXXX Account '' number listed. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone to inquire about this debt and was told not only that I have NO outstanding balances ( {$0.00} ), but also that they have never referred ANY medical debt in my name to Aargon Collection Agency. I then called Aargon Collection Agency, the letter listed a number to call as ( XXXX ) XXXX ext. XXXX. I spoke to the representative and was told that I owe this amount, and that they are unable to contact XXXX XXXX XXXX since they had already made a decision that I owe the money, and that I must pay. I do not owe this money, as was confirmed by XXXX XXXX XXXX when I spoke to them today. XXXX is trying to extort money from me, an elderly person.
Consumer complaint received 2020-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NJ)

In XXXX, I went to my bank to close my checking account and there was a substantial amount in the account. After the bank research the transaction, the bank indicated the {$9400.00} ACH deposit made on XX/XX/XXXX came from Lending Club. I contacted Lending Club on XX/XX/XXXX and said I did not apply for this loan and to provide me with documentation with my signature indicating that I authorized this loan. I will return the principle amount less the payment taking from my checking account in the amount of {$360.00}, which I did not authorized. I asked where they obtained my personal information. The gentleman who assist me refer me to the fraud department. I received a letter denying my claim and no supporting documents indicating I applied for this loan. Called Lending Club again and no loan documents where produced. I asked if a can repay the principal loan amount with no fees or interest. I want to rectify this situation immediately, its damaging my credit. Please help to resolve this matter.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card was skimmed at a atm so my information was stolen. I disputed the charge and got the money credited back to account. Bank of america didnt close the card i reported stolen so my money was taken again. Now they have made my account negative and is taking my unemployment im getting and putting it towards negative balance. When i call the claims department i never get through ive waited on my phone for 3 hours and never get to speak to anyone.