davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report. My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
Consumer complaint received 2017-08-15
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: Bread Financial Holdings, Inc. (FL)

I wanted to apply for a XXXX XXXX credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had 2 hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NV)

The company, Lexis/Nexis, XXXX XXXX XXXX XXXX, WI XXXX  has a renewal Notification dated XX/XX/XXXX report that shows my homeowner insurance policy with XXXX, # XXXX XXXX, policy from XX/XX/XXXX to XX/XX/XXXX, at XXXX XXXX XXXX XXXX NV XXXX  WITHOUT earthquake insurance with a premium amount of {$800.00}. XXXX ( XXXX ) has this same total WITH earthquake insurance which I pay for in this total. Despite many written requests Lexis/Nexis has not replied to me or corrected this error. Help!!!
XXXX XXXX XXXX XXXX ps ... the actual postcard from Lexis/Nexis was addressed to XXXX XXXX XXXX  at the address above.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( 1 ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with one response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''. 

Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!! 

SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!! 

NO MORE EXCUSES!! 

I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES. 

DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX. 

SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ... 

DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.
Consumer complaint received 2017-08-15
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. (MI)

I have inquiries I do not recognize by these companies on the dates as follows : XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-08-15
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: Bread Financial Holdings, Inc. (FL)

I recently applied for a XXXX XXXX XXXX/XXXX credit card and was approved. The card issuer is Commenity Capital Bank. On the XXXX XXXX website, and on the Commenity website where you can apply for a card, it was advertised that if you spend a certain amount either online or in a store, you will receive 0 % interest for a number of months depending on your purchase amount. I made a purchase online on X/XX/2017 in the amount of {$620.00}, which qualified me for 12 months 0 % financing if the balance is paid off within the time limit. On the XXXX XXXX website during the check out process, there was only the option to enter a credit card, and no way of being able to specify if you wanted to take advantage of a promotion. At this time, I assumed the promotion would take effect automatically, and followed the check out process as it was presented to me. Here I will note that when I received the credit card in the mail, the letter on which the card was attached also advertised this promotion if you made a purchase online or in store ( and a number of other stores that are owned by the same Corporation as XXXX XXXX ). I recently received my second statement from Commenity Capital Bank ( the card issuer ), and realized that I have been charge interest in the amount of {$12.00}. I called them on X/XX/2017 and was told that the store should have indicated that I wanted to use one of the promotions. I explained that I had made the purchase online and there was no option on the check out process to select a promotion. The person I spoke to said that there was. I checked at that time, and there is not an option. After several conversations, I was told the only resolution I have to file an official dispute with the credit card company to try and recoup my money and to be transferred to a promotional program. I am still working with the company to get this resolved. My complaint is in the advertising that Commenity Bank and XXXX XXXX use on their website and various other platforms that states you may participate in a promotional APR when you make a purchase ONLINE and in store. It became clear that they had no way of honoring a promotional balance if you make a purchase online, and automatically charge you interest. I do not know yet whether or not they will refund my interest charges and transfer me to a promotional program, I have to wait up to 60 days and continue to pay interest until they make a decision. My issue is with advertising and not honoring a promotion. Thank you.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received an e-mail on Friday, XXXX XXXX, 2016, telling me the following : " Your card information may have been stolen due to a data breach at a business where you recently shopped. As a precaution to help protect you against fraud, we 're reissuing your card with a new account number. There 's no need to call us unless you see transactions you do n't recognize. '' I called the company, Capital One, today, Monday, XXXX XXXX, 2016 at XXXX to ask what company had the data breach and what personal information was stolen. 
After speaking to a service rep and getting no where, I asked to speak to an account manager and was told that the company could not provide me with that information. 
I told the manager, XXXX, that I am entitled to that information. He again said they could not provide me with the information. 
I find this difficult to believe and would like you to investigate this nonsense and have someone provide me with the information I requested from Capital One. 
I want to know which company had the data breach so I do not shop there again.
Consumer complaint received 2017-08-15
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. (GA)

I have tried -- unsuccessfully -- to have inaccurate information removed from my Equifax CR. In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, all debts were discharged. I did not reaffirm my mortgage with XXXX. I started checking my credit reports after ten ( 10 ) years to make sure there was no mention of a bankruptcy or accounts related to the bankruptcy. XXXX and XXXX no longer show a real estate account. However, Equifax shows an open and active account with a balance. I started disputing the errant information with Equifax and XXXX two ( 2 ) years ago, but to no avail. I have communicated via telephone, fax, and online. Equifax will remove the inaccurate information only to reinsert it a month later. The last time I disputed the inaccurate information ( XX/XX/XXXX ), it was removed. I just checked my credit report today and the account has been reinserted by Equifax as open and active. Also, XXXX recently sold/transferred the mortgage to XXXX. I have been unable to secure a new mortgage because it appears as though I am still under obligation to pay the prior one with  XXXX. It is obvious that Equifax, XXXX, and XXXX are violating the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ( the FCRA ).
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

navient did not work with me in efforts to gain lower repayment options that were within my ability to repay in accordance to my income. Though I explained my hardship ( head of household with one income ) navient still demanded high repayment amounts that I could not repay monthly. With navient reporting missed payments to the three credit bureaus each month my credit score has dropped and is continually dropping today dramatically ( if there were logical/realistic repayment options I could have possibly began to pay.
However, being that navient had no desire to work with me to repay debts that has acquired such high interest amounts, I decided to dispute the late payments as well as ownership of the debt to navient. navient then replied with no supporting documents verifying that I owed them nor a promise to pay as I requested them to provide me. Instead I continue to receive harassing phone calls from various numbers at all times of the day, while at work, and even late hours of the night which is unacceptable.
navient also refused to allow me to explore the option to release my parents as co-signers in efforts to provide them relief from the financial stronghold that navient has on their lives. Alongside of that deceitfulness navient created many obstacles when I did attempt to pay them or defer payments. I was charged several hundred dollars in efforts to defer loans just so that my credit score/reports would not be negatively affected.
Since the transition from XXXX XXXX to navient occurred documentation has been altered or is missing. Therefore, navient has not provided me with valid documentation confirming any true or accurate debt to them. With all described, I should be relieved of all obligations to repay navient and all records of late payments, collections or delinquencies on all three credit reports should be forgiven/removed. This should also be done in respect to my co-signers/parents as well.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (VA)

Hello. Back in 2013 I visited the XXXX XXXX XXXX XXXX. I have insurance, but the hospital never ran my insurance and they sent my account to collections ( Senex Services ). I received a letter from the collections company and paid the bill in full immediately. At the time I made my payment, I was told by the representative that the insurance was not an option at that point and I was responsible for making the payment and that was the only way to get the bill out of collections and off my credit report. I paid the bill in full at that time. The representative said the derogatory remark would be removed and my account would be noted in full detail as to why I was even sent to collections in the first place. They never removed the account. I have called three times to talk to a supervisor and was told they would remove the account but that has still not happened. This account is not legitimate and should be removed from my reports immediately. I was told by the rep who took my payment that by me paying directly to Senex and not through the insurance, that this would be removed from my credit report. I was told a lie. I expect this record to be removed immediately.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select portfolio Service is our loan holder ; we have been attempting a loan modification since XXXX of 2016. They sent us a letter indicating they had all the information they needed and we were pretty much approved. One week later we were asked again for the same information we have already submitted several times. Based on everything they have done and said they have no intention on giving us a modification, even though they admit they are legally required to do so. We and hundreds of other customers are treated unfairly and are the victims of illegal practices and an overall culture of attempting to stall and do everything possible to not help anyone. They are at best incompetent bumbling idiots that work there or more likely - following company policy which seems to be to help no one and try and accumulate as many fees as possible ... .they charge us for evaluating our property about 6-7 times a year, they charge us to make a payment. They are acting criminally.They are predators and should be stopped.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

my home need {$6700.00} of escrow every year. All of the sudden Round point mortgage company want to add around {$8000.00} to my escrow knowing that my home insurance, my house tax, and my PMI is not changing. I called the Bank and No body is able to explain to me. They just read the letter again to me and do nothing as they are not professional bankers!! its like someone in XXXX is answering my questions. This bank has no local office or no one who can speak with no accent to help me around. I can not pay extra {$8000.00} for my mortgage monthly payment I told them just come and take the house and of course they did not care.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I logged in to my XXXX XXXX XXXX app on XX/XX/XXXX to check may balance and make a partial payment to my " Bank of America '' credit card, in order to lower the balance reducing my credit utilization to prevent impact to my credit score. Because a temporary charge from Friday XX/XX/XXXX changed from {$1.00} to {$3.00} after I scheduled my payment of {$60.00} I was {$0.00} cents short of the payment I attempted to make. As a result XXXX XXXX XXXX charged me a {$35.00} NSF fee. I called to ask for a 1 time courtesy waiver due to uncontrollable circumstances and the bank refused to grant me this courtesy after having my account with them for over a year and half and having never requested any fee waivers from them. I explained that their policies are not adequate to the least sophisticated consumer and their practices are misleading and unfair which is a UDAAP violation and that I would close my accounts and discontinue business with them. They advised me they have no retention practices and can not make an exception. I believe this practice is deceptive and abusive and unfair and have caused me an undue hardship. I would like the CFPB to use its rule making power to force this financial institution to make this exception. I am being victimized by the financial services industry and merchant transaction practices.
Consumer complaint received 2017-05-26
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: Bread Financial Holdings, Inc. (TX)

I originally spoke to a rep in  XXXX  about a charge off reported to my credit report. We negoatiated that if this was paid pfd, the charge off would be removed from my credit report. After making my final payment on  XXXX   XXXX  amd realizing by the end of  XXXX  that it was only updated as " paid in full '' and not removed as negotiated by the Comenity bank representative, I gave them a call in regards to the concern. I spoke with a rep, and even a supervis or. ( There  are plenty of notes on the account to support to the many times I 've called in ). After speaking to a supervisor, I 've advised him to just listen to the call where his representative negotatied the pay for delete. He refused. Instead he advised me to send a dispute letter, which would be more difficult. I 've sent a dispute letter, the situation still has not yet been resolved. This letter was sent on  XXXX   XXXX . I called in on  XXXX   XXXX  to check the status and spoke with a nice gentleman by the name of  XXXX , he stated that my dispue has n't even been touched and that they transferred my paid in full account to the " in house recovery pool '', he advised me to send another dispute to them. Instead, i advised him to just forward my dispute over since they are " in house '' .. He advised me to follow up withi n 5 business days. I just got off the phone today with a representative in the in house recovery pool and she advi sed me that the dispute team is separate from their team and she does n't know anything about the dispute, unable to give me an update, and unable to look into it. As of now I am getting the run arounds, no one seems to want to help or get this situation taken care of simply by just listening to the call amd removing the charge off as it was honored in the first place!! Getting the charge off was bad on my end but i still did as negotiated and paid it off, now Comenity bank needs to do what was promised to me.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/XXXX, my credit card account with Chase was closed involuntarily because of a " process error '' on their side, shortly after paying the annual account fee. This account has been open for over 5 years and I have been a Chase customer for over 12 without a missed or late payment. In order to re-open this account, the onus has been on me to submit substantial amounts of paperwork confirming their mistake. This paperwork was submitted on XXXX XXXX, 2017. Since then, Chase has had well over 5 weeks to act on this request, but has refused to re-open the account or rectify this situation. I struggle to believe that it takes someone over 200 business hours to take such a simple action.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and I have unauthorized and fraudulent credit and collection accounts, and inquiries listed on my Equifax credit report. The following credit and collection accounts, and inquiries are fraudulent, unauthorized and do n't belong to me : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX., XXXX/XXXX/XXXX.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (PA)

I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus