davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I 'm on my second modification request with Select portfolio servicing/XXXX XXXX Bank regarding my mortgage. I have submitted XXXX full applications for modification/resume mortgage over the last 2 years. XXXX was turned down for " not enough income '' and the other was approved but again the income calculations were drastically incorrect. Our request to modify or resume was so we could continue making my current XXXX per month payment or something close to that. This time they came back with an income calculation of over {$15000.00} per month. They offer to have me make and payments of over $ XXXX per month for the first 4 months followed by $ XXXX per month for the life of the loan. The income was again calculated incorrectly. The proof provided via tax returns, paycheck stubs and bank statements clearly shows a monthly gross income of between $ XXXX per month. Now, after waiting several months, actually a year for an answer thay have pulled the offer for review which will no doubt take several months. Meanwhile arrearages and fees add up and get added to my balance for mistakes they have made. My wife and I have lost several days from work providing paperwork to the mortgage company, appointments with a counselor at XXXX and court dates with more to come. I have answered every question, provided every document and fielded phone calls " attempting to collect a debt '' of which they will not accept payment on unless it 's full payment. I finally have a job where I make sufficient income to pay all of my bills and I see tremendous progress. I just want to pay my mortgage! Our family is under tremendous stress not knowing where we will be living and all we want to do is resume our mortgage payments and live in our home.
Consumer complaint received 2015-09-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My parents have XXXX certificate shares accounts managed by Wells Fargo ; XXXX account is a single account in my deceased father 's name and the other is a joint tenant account. I am currently the Power of Attorney over the joint accounts and I am trying to move the accounts into the family trust. My mother is very sick and we need to access the money to pay for caretakers. Wells Fargo is refusing to issue the medallion stamp required to make changes as we do n't have an account with them. They sent me to my bank, XXXX XXXX XXXX. They no longer issue medallion stamps. Their affiliate, XXXX XXXX, will not issue a medallion stamp as I do n't have an account with them and would need to have an account for 6 months. I called Wells Fargo again today and was told the medallion stamp is necessary so they " wo n't have to deal with the extra paperwork and I would just have to comply with the other agencies requests/guidlines. '' I explained my mother is very sick and I feel she is being denied access to her money so she can pay for the care she needs. She will be dead by the time six months is here and then the accounts will go into probate costing the family even more money. I was advised to keep making phone calls and find someone. They are not flexible. We are being denied access to our own money.
Consumer complaint received 2016-03-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Services Collections, Inc (TX)

" Account Services '' is sending me letter and making threatening calls regarding an incorrect statement. In 2013 XXXX XXXX XXXX contacted me for the same and upon further investigation they suggested that I do n't owe anything and I have a letter stating that they were suspending all collections activity. I tried to explain the same to " Account Services '' and they are unwilling to listen to me and threatening to impact my credit score. My File # XXXX. I need help to resolve this matter as I do n't owe this money however I am being harassed and threatened by this company.
Consumer complaint received 2020-08-23
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: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
XXXX : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Consumer complaint received 2020-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I filed for bankruptcy, in XXXX I successfully renegotiated my mortgage so to not lose my house. The renegotiated mortgage after a seven year period reverted to the original terms. Taking my interest rate to 6.5 % on my first and 5.14 % on my second, effectively almost doubling my mortgage payments. I have contacted Wells Fargo on a number of occasions to try and do something about the interest rate and payments and am continually told I do not qualify for any program. I have now used up any and all savings making these payments, I submitted all the documentation I thought WF needed because they say due to the bankruptcy they can not request anything from me and again am told I do not qualify for any program and they refuse to tell me why
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This account was original being reported on my credit report as " Unknown - No information available '' and did not have a phone number or address for me to contact. I disputed with the credit agencies and they responded with a status of " Verified '' and more information regarding the address and number of the creditor. I have called the creditor since then XXXX times to verify that they debt was mine and any info they could provide regarding the debt, as I have never heard of this debt either in the form of a letter or orally. All XXXX agents at the XXXX verified that no debt in that amount or under my name existed. However they were unable to assist me in getting a letter to the credit agencies saying that no debt was listed under my name for that amount and that I should dispute the account on my report. So I again disputed the account and it came back verified.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

After being turned down for credit I contacted the XXXX credit bureaus by letter and was able to speak with a person by phone with XXXX. None of them addressed the issues I raised regarding a serious delinquency that I am disputing. They sent me a credit report.
Consumer complaint received 2016-01-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (GA)

I had a loan with Wells Fargo Bank that I had been paying on for years. I had XXXX loans. ( 1 ) Mortgage payment, ( 2 ) XXXX charge card, ( 3 ) installment loan. I had paid faithfully until I was XXXX and was in an accident. I am also in a XXXX and unable to get around well alone. I am also a Senior Citizen. 
I explained to Wells Fargo Collections Dept. before they contacted me and let them know I was having a hard time paying them in XXXX due to unexpected hospital bills and Doctor bills. I asked them if they would waive the interest or late fees until I could catch up and I would make payments so I would not be too far behind. They said no. I was behind in XXXX and XXXX. I finally borrowed the money to get them off of my back so I would not be continuously harassed. 
On XX/XX/2016, I took & XXXX to Wells Fargo drive in window to pay on my loan, I paid {$200.00} on my charge card account and I had already paid my Mortgage on the XXXX when I got my Social Security Check. I was completely paid up, I also put {$300.00} in my checking account to cover XXXX other bills, XXXX for {$100.00} and XXXX for {$150.00}. On XX/XX/2016 I checked my balance and I only had {$28.00} left but I knew the XXXX checks that I had paid on the other XXXX accounts had not been paid. I checked and realized Wells Fargo XXXX Department had pulled out another payment, plus late charges plus interests. After I had paid them XXXX payments they took another XXXX. this prevented my other checks from clearing. I contacted the bank to express my dissatisfaction with what had happened to me and I was told there was nothing anyone could do because The Collections Department was a separate department. They told me I could file a claim which I did but the Collections Department said they could put the money back when they got ready and they were going to take 10 business days before they did that. It is now XX/XX/2016, My account is at - {$150.00} they added a bounce check fee on top of the money they took out of my account which they should never had gotten. 
My main concern is I only get {$XXXX} from Social Security and my house note is {$760.00} per month. which is paid to Wells Fargo every month. The collections department knows this and has access to my account. They know what a hardship I am having and for them to know how much I am struggling with the illnesses that I have is abuse and heartless. I am afraid that if they have not put my money back in the bank by the XXXX I could not pay my house note and could get behind which would possibly lead to foreclosure. This is not fair to me since I have tried to get some help from Wells Fargo and there does not seem to be any help available. I have outstanding debts from collection departments from the hospital, doctor 's offices, collections departments and every where else. I need to be advised or put in touch with a lawyer that can help me without charging a fee which I can not afford to pay.
Consumer complaint received 2016-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CT)

I have received a 2nd collection notice related to a XXXX bill for an account that I had not opened. Original notice was resolved over the phone XX/XX/XXXX, I had not lived at given address. Now a different credit company is trying to collect on same XXXX account in XX/XX/XXXX. I am now putting dispute in writing. XXXX does not offer any help in resolving issue.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NY)

Case number : XXXX Please be advised that this complaint has not been resolved. You have a history of the course of events surrounding my experience with Well Fargo, who established an escrow account because Wells Fargo violated my payment agreement with the XXXX Taxing Office and the XXXX Water board by paying my bill and establishing an escrow account and adding over $ XXXX/month to my mortgage payment.. Well many months have passed and finally, after I paid off the escrow and actually paid too much, a refund was due to me in the amount of {$920.00} as confirmed by XXXX XXXX in correspondence dated XXXX/XXXX/16. After several calls to XXXX XXXX, many of which were never returned, I have learned from her today, XXXX/XXXX/16 that the funds due me, {$920.00}, have in fact been sitting in a closed escrow account for almost XXXX months and should have been refunded to me almost two months ago. NO ONE followed up on my refund nor to XXXX XXXX, after closing the case, follow-up with the escrow department to ensure the refund to me was processed. XXXX XXXX promised to look into this after our conversation today and open another case to investigate as to why the funds were not sent to me. I find this to be deplorable business practices and wonder how XXXX XXXX can continue operate in such an irresponsible manner with no repercussions. Should n't I at least get interest on the funds held?
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a Victim of Identity theft. I have been working tirelessly to follow all the steps required to cure this. Police reports, Fraud Affidavits and contacting all the creditors. There have been several accounts opened in my name. After countless disputes to Equifax, they are still reporting this Fraudulent account. And verifying that this Fraudulently account, XXXX BANK & XXXX, XXXX is mines. 

Nothing could be further from the truth & it seems that Equifax is adamant to report an account that was opened due to Identity Theft on my credit report. It is true that this account was opened in my name. Although ... 

I did n't open this account. 
I had no knowledge of this account I never made any payments on this account I never received any bills for this account I never received any good or services from this account I never gave anyone consent to open any credit in my name, including this account On XXXX XXXX, 2016, Equifax deleted this from my credit file ( see the attached ). Then days later they began to re-report this Fraudulent account as mines. 

I do n't know what the problem is with Equifax & XXXX ... .. As this account was surely, 100 %, opened in my name. It was opened by someone else. *I DID NOT OPEN THIS ACCOUNT WITH MY AUTHORIZATION! I HAVE NEVER HAD ANY KNOWLEDGE OF THIS ACCOUNT* I am tired & frustrated regarding this same issue. This is the last Fraud accounts that is still being reported on my credit report. I have done EVERYTHING that I was supposed to do. With respect to protecting my identity & my consumer rights, there is an abundance of unscrupulous activity being used against me to permanently remove the fraudulent accounts from my credit report.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I received an invitation to apply for the Comenity Bank PlayStation Visa credit card. I have excellent credit ( XXXX credit score as reported by XXXX ). The application was approved, I received the card. I then activated and used the card for one purchase. Within 2 weeks, before my first payment even being due, I received a message from Comenity Bank stating that my account was closed due to an XXXX report and the " number of inquiries on your credit report ''. 

I contacted XXXX and asked about my credit report and the number of inquiries I had on it. They informed me the ONLY inquiry on my credit report in the past 2 years had been the 1 inquiry from Comenity Bank when I applied for the credit card from them. 

I then contacted the bank and asked them about this and they said they didn't need a reason to close my account. I then asked why they used the " number of inquiries '' reason in their written e-mail about them closing my account and they just repeated that they did not need a reason to close my account. 

So they have hurt my credit standing on two different fronts. One, they did inquire on my credit report, which I know too many inquiries is bad. Then they approved my application only to close it without reason. I'm sure that is not going to reflect well on my credit. Getting a new account that is closed in a matter of weeks of it being open by the credit card company. 

I am not sure what their gain is here. Why would they send an invitation for me to apply for their credit card, ask about my credit situation, approve my account, send me the card and let me activate and use it. Then they get a report stating that they did ask about my credit situation and close my account because THEY asked about my credit during the approval process? 

What I did notice was multiple posts on their XXXX account with other people saying they are lowering their credit limits and also closing their accounts for no reason and hurting their credit standings also. So why are they purposely trying to ruin people 's credit?
Consumer complaint received 2016-08-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pressler & Pressler, LLP (NJ)

This company, Pressler and Pressler have sued me over a debt that I have disputed since about XX/XX/XXXX. They even tried wage garnishment XX/XX/XXXX which they lost that case because I was n't making enough money. Now, they have sent a sheriff to serve a writ of execution to my realtor broker, to garnish my next commission check to cover the alleged debt. No proof of court order either. It 's alot of money for me to just give up and stop the fight, but I do n't have any money to hire an attorney, either.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am going to financial difficulties. I have lost my lender, Wells Fargo Bank, to modify my loan under the Hamp program. I have submitted my documentation several times yet have not gotten any results. My loan originated with world savings bank which was later acquired by Wachovia and transfers to Wells Fargo Bank. This loan is adjustable-rate mortgage PICK-A-PAYMENT type loan. my payment changes all the time and I 'm having a really difficult time keeping up with such a high mortgage. I find myself often falling behind and most certainly falling behind on property taxes. I know I am eligible for the government 's Hamp program. However I am not getting any help. Please help me with this.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My XXXX  account is now showing open accounts from a Bank of America as of XX/XX/2020. The number on my credit file shows XXXX. I called but was soon disconnected. I did a search on this phone number and it is listing as possible fraud. I have started disputes on the Bank of America credit card accounts that are showing opened and fees due and not paid to date. I did freeze my credit with all 3 credit bureaus back in XXXX of this year. I also tried to contact a correct number for fraud with Bank of America, but since I don't have an account with them, I was unable to reach a person.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an MSI I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.