davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
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. (IL)

In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
Consumer complaint received 2020-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On several occasions I have contacted XXXX XXXX, XXXX, XXXX, Capital One, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX  ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( CAPITAL ONE BANK ) - XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

The mortgage holder on my personal home has engaged in unfair debt collections practices on multiple occasions. I will outline three of them here : 1. The lender or lender representative tried to gain access into the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were and why they were there in a somewhat intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered.

3. The lender is trying to circumvent the legal system by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred. 
I do not see how the above actions could fall in line with the Fair Debt Collection Practices, FTC or State Guidelines. I would like to have the issue investigated and some action taken to prevent this abuse of my rights, particularly in this time of an epidemic.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

In 2017 I secured a {$1500.00} limit credit card with Chase per the recommendation of XXXX XXXX as a way to improve my credit rating and credit score. Every other week I pay the balance on the card in full. I have set up payments to be sent from my checking account at XXXX XXXX to Chase. I would check to see when funds were deducted from my checking account. Then I would receive notice from Chase the funds had been received and applied to my credit card account. Since day one Chase has arbitrarily placed holds on my card following a payment. There is no pattern to when the hold will be placed. Initially to solve the issue I would call Chase support. They would transfer me to another support person who would then call my bank to see if the funds had been sent. XXXX XXXX confirmed the funds had been sent, then the hold was removed. This scenario occurred the first year. Mid year two when this scenario would occur, I would call Chase costumer support and the initial person I would speak to would remove the hold. During the first two years reason for the hold being placed was : large dollar amount of the payment, payment amount was a certain percentage of my balance, payment amount was a certain percentage of my credit limit, payment amount was more than balance at the time of the payment. Chase could not tell me when holds would be placed. Now in year three the same scenario occurs, followed by the same process to solve the issue a Chase representative tells me they do not know why the hold has been placed on my count, they can not remove the hold, they can not tell me who I can talk with to get hold removed, they tell me they can not tell me policies have changed and they can not tell me where I can go to get information on holds. Thus my credit card has no available credit despite the balance is not at the limit. I can not use the available credit until Chase decides to remove the hold. In the meantime any automatic payments I have will be declined. Excuse me XXXX XXXX and Chase, how is this helping my credit? 
I have attached monthly statements below but they do not show that I pay my balance in full every other week.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX made a deposit of {$3400.00}. On XX/XX/XXXX made deposit of XXXX. On XX/XX/XXXX after deposit i paid tjree bills that Wells said would be delivered XX/XX/XXXX. On XX/XX/XXXX they sent me an e mail that I had XXXX money in account. I called XXXX XXXX and XXXX XXXX and they did not have payment but Wells took the money out of my account and took money from my savings for overdraft. They have been doing this and charging a {$12.00} fee. I did not realize it. So they are taking my money out of account before creditor receives and then charging me.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Consumer Financial Protection Bureau, Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ph XXXX fax https : XXXX XXXX : Individual Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX XXXX : XX/XX/XXXX. Set-up on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX original amt. {$100.00} Identity theft/unauthorized account opening / Fraud This is in regards to follow-up response and letter from Helvey & Associates, Inc dated XX/XX/XXXX. Contrary to there letter, it is incorrect and lacks merit. The XXXX XXXX XXXX bill with account # XXXX XXXX is NOT my account. In addition, the name on the account is incorrect. My middle name is incorrect and I do not have a billing address or property under XXXX XXXX XXXX Ct. In addition, I have never received any notices, bills, phone calls in regards to this fraudulent account. 

The fraudulent account was NOT set up by me on or about XX/XX/XXXX online nor did I receive any email notifications. Someone had used my email address to set up this account online. Only tenants occupied the home at that time. I never requested service on that date, nor did I occupied the home, it was leased. Furthermore, the name is incorrect on the billing information including the mailing address. In addition, since the billing address was incorrect, I never was informed by Helvey & Associates nor XXXX XXXX XXXX that a bill was due or set-up. Because of these mistakes and fraudulent utility account set-up was established without my knowledge or permission, I have submitted an Identity Theft Report Number XXXX and XXXX Police Report case number XXXX. In addition, letters from the FTC.gov reporting has been sent XXXX XXXX XXXX, Credit Bureaus and to Helvy & Associations.
Consumer complaint received 2018-02-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation (GA)

Under the Fair Debt Collection Practices Act Western Shamrock corporation is in violation of the law. Western Shamrock corporation has not validated any debt that belongs to me XXXX XXXX, therefore under the FDCPA Law Western Shamrock corporation can no longer collect any payments, and are not to report any negative entry to the credit report agencies in pursuant to the FCRA. Western Shamrock corporation has failed to validate the debt. You are in violation of the FDCPA law an can be sued because no contractual evidence has been proven to show that the debt belongs to me.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC (WA)

I received a notice from XXXX that a new collection appeared on my Credit Report from Genesis Credit Management. This is the third time it was sold to a different collection agency because the other two had no information to properly validate the debt, so they changed the dates and the account number and sold it to another unsuspecting debt collection agency. It's been to XXXX XXXX XXXX, XXXX XXXX XXXX and now Genesis Credit Management. 

Genesis did not send me the proper notification before it reported on my credit report. The day I was notified that it reported on my credit, I sent Genesis a request for validation and I disputed the account with all 3 credit bureaus. 

Genesis " verified '' the information with all 3 credit bureaus before responding to my request for validation. 

I received a response to my Validation Request on XX/XX/2019. They sent a letter claiming that I owe them a debt and attached was a one page, half computer generated, half handwritten report that did not include my name, birthday, address or any identifying information. It also did not include the name, address or contact information of the " original creditor '' - leading me to believe this company is blatantly committing fraud and willfully non compliant with laws that govern their compliance. 

They also did not prove that they own the debt, that the debt was valid. But, in their invoice, they added {$2000.00} in collection fees/interest - which is not legal unless they can furnish the original contract that states there will be interest and collection fees. 

This company is practicing Illegal Debt Collection Practices, hiding under the guise of different names & DBA 's to trick consumers and prosecutors. Please refer this to the FTC and  Attorney General to investigate.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I purchased a home in XX/XX/XXXX. The mortgage was issued by Bank of America ( BoA ). I then opened a checking account with BoA because they offered their Advance Tiered Checking account to customers who had mortgages with them free of charge. the fee for this account is normally $ XXXX/month, unless you have either $ XXXX in the account or qualify for free checking through some other offer, such as having a mortgage with BoA. Several years later, I think in XX/XX/XXXX, BoA sold my mortgage to a third-party servicer. I did not want to be serviced by a third-party, but I have no control over what BoA does with the mortgage. Apparently, BoA issued a waiver at the time so that the {$25.00} fee would not be withdrawn from my account since I no longer had the qualifying mortgage for the checking account. I was not informed of said waiver. Fast forward to XX/XX/XXXX, BoA audits my account ( without telling me ) and cancels the waiver ( again without notifying me ) and promptly begins withdrawing {$25.00} from my account each month. I noticed this in XX/XX/XXXX after BoA had already taken {$100.00} in fees from my account. I complained to their customer service department but was told that they would only return {$25.00} and that basically I was out of luck and should switch accounts. Do NOT bank with BoA. They are crooks.
Consumer complaint received 2022-07-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MI)

In XXXX of XXXX my husbands job was furloughed due to Covid. In XX/XX/XXXX we entered into loan forbearance for our mortgage due to the federal Covid relief plan that was in effect. Our loan was in forbearance until XX/XX/XXXX when the program ended. We were instructed by our lender, PNC, at that time to apply for loan modification which we did immediately, the day the program ended. The federal Covid relief plan outlined that any missed payments were to be tacked onto the backside of the mortgage. I have also checked with numerous other companies and lenders to see if this is/was their practice or knowledge, which it was. Our mortgage lender, PNC, is now saying that the loan modification or amending the mortgage is and was actually never an option and they are demanding all 18 months of forbearance payments in full or our house will be foreclosed on immediately. So there are demanding {$40000.00} paid in full, due immediately, no exceptions. 
So even though PNC were the ones to offer the Forbearance, Covid assistance, there really was no assistance. How would someone have 18 months of mortgage payments readily available if their job has not been paying them for the past 18 months?! PNC is intentionally misleading their customers and not abiding by a federal law that was set up to protect consumers that were being effected and are still being effected by Covid. We have told them that we can make arrangements to pay anything and everything in escrow, we can pay whats due from XXXX XXXXcurrent ( which they had told us not to pay until the modification had been processed ), that we can pay a portion of the {$40000.00} but not all of it. They are unwilling to work with us at all or make any kind of arrangements to resolve this situation that they put us in. We are literally willing to entertain any and all compromise options.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I have TJX REWARDS MASTERCARD XXXX that the last time I used It was 2 years ago, on XX/XX/XXXX, I received an email indicating I need to make payment for {$2400.00} I disputed the transaction as fraud and TJX closed card and issued new one and credited the {$24.00}, but on XX/XX/XXXX I received an email account requires attention after calling TJX, It seems TJX transfer $ 24+ {$25.00} late fee $ xx interest but after reviewing the history with customer service of old credit card and the new cards all fees were removed except {$2.00} but the damaged was done it seems TJX collection reported me to credit bureaus that i was late and my credit score from above XXXX reduced to XXXX, XXXX and XXXX and XXXX XXXX reduced my credit limit to {$500.00} and after getting my credit report, TJX reported me to credit bureaus ( all ) that I was delinquent, it seems collection did not review notes on old credit card I have mortgage, credit cards and car loans for over 30 years and never been late, this is devastating.I am XXXX years old and now I have to pay higher interest rate for this errors and now Im considered as high risk so please help to remove the negative reporting in my credit reports from XXXX , XXXX and XXXX .
Consumer complaint received 2021-11-07
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. (CA)

My XXXX XXXXXXXX XXXX credit card account ( XXXX ) was opened in XX/XX/2021. Since the opening the account, I did not receive any paper monthly statements or any paperless monthly statements ( i.e. email notification ) from XXXXXXXX XXXX since XX/XX/2021. The only notification from the bank was a text message on or around XX/XX/2021 regarding the account. I immediately contacted the bank and was informed of the past due balance in the amount of {$49.00}, including late fee of {$39.00}. I immediately sent in the full payment in the amount of {$49.00}. The payment was posted on XX/XX/2021. 

Since XXXX did not provide any paper or paperless statements ( e-notification ) for the period from XX/XX/2021 to XX/XX/2021, I did not received proper notice of the amount due and the payment due dates. When XXXX reported that my account status was " delinquent and past due for 30 days '', such reporting was inaccurate. Had I received proper paper or paperless statements, I would have paid the outstanding balance before the due date. Based on the fact that no paperless statement was sent to notify me of the balance due date, the negative information reported to the credit reporting bureaus is incomplete and unverifiable information. 

I believe that it is unethical for XXXX XXXX to report such negative information when the bank mistakenly did not send me any paper or paperless statements, to properly notify me of the outstanding balance and the due date. 

I have excellent payment record for the last 40 years. I always paid my balances on time, as long as paper statements or e-notifications are properly sent to me. Such negative information from XXXX is detrimental to my credit rating, with a substantial credit score drop of 75 points, from XXXX to XXXX currently. 

Your prompt attention to resolve this matter is greatly appreciated. 

Best regards, XXXX XXXX
Consumer complaint received 2018-04-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

XXXX XXXX XXXX XXXX Attorney 's for XXXX  have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since XX/XX/2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX  " XXXX  '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
Consumer complaint received 2018-02-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

We have been attempting to resolve a dispute with XXXX over the inaccuracy of their reporting of payments on our credit report. Their inaccurate reporting is impeding the process of us obtaining financing on a new mortgage for a home that will better meet my wifes needs asshe has become XXXX. Our repeated attempts to resolve this have gone unanswered and we are now in a difficult position. The transaction history provided by XXXX clearly shows that the payments were inaccurately applied, however, they refuse to correct the reporting to the credit reporting agencies. Please help us get this matter corrected on my credit report so that we can proceed with purchasing the home that will better meet my wifes needs. Thank you for your help.