davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (HI)

My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I been receiving calls from Portfolio Recovery several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially XXXX/XXXX/XXXX I received a call from XXXX She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if PRA would delete it from my credit file she went on saying it will be on my credit until XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from PRA in writing or any notifications on how to dispute this debt with them. I went to PRA website located at https : //www.portfoliorecovery.com/ I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want PRA to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
Consumer complaint received 2017-06-26
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. (MD)

I had a past loan account with XXXX XXXX XXXX XXXX. I was late on the account and it was reported as such. I later was able to refinance the loan with XXXX XXXX XXXX XXXX. As a result of me refinancing my original loan ( still with XXXX ) XXXX created a new loan, new account number with updated terms of the loan. Unfortunately, XXXX reported the exact negative information that was reported in the original loan in the newly refinanced. This is not accurate. My credit report with all 3 reporting companies Equifax, XXXX and XXXX for several years continue to report that I had to loans with XXXX and both have the same late history being reported. I have disputed the information with each of the credit reporting companies with no resolution. I have contacted XXXX personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.
Consumer complaint received 2017-08-03
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)

XXXX   XXXX   XXXX  is on my Equifax report as a closed account that was charged off. It was already removed from Transunion and Experian during the identity theft investigation. I called Equifax to find out why it had n't been removed. They could n't give me an explanation that I was satisfied with. It was removed from the other bureaus back in  XXXX . Please help me remove this negative item that does not belong to me so I can recover my good credit standing. I have been extremely hard to keep my credit good because it effects so many parts of our lives today. Please please please help me with this.
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I do n't know where to start. We need assistance to figure out if we are still in modification or did the mortgage company sell our home without us being notified. We have several phone calls going back and forth with Wells Fargo. We did ask them 2 months ago if we need to worry about our house going on foreclosure list. Wells Fargo Rep said They checked our account and there are not any notices or red flags on our account to be worried about. Before that we explained to them we have a lost of wages, I was recently in a bus accident and I am not able to work. In XXXX I was put on XXXX  XXXX and I am not getting what I was making to make ends meet. Again, we did tell the rep at Wells Fargo ; they asked us to send information to start modification, So we did. Wells Fargo said they will work on it and again several phone calls back and forth to get paperwork, information and proof of our situation. We began to get notices from a company called XXXX XXXX  indicating that they are selling our home and will be sold on XXXX XXXX, and now we have to get out of home in 3 days, or be evicted in 90 days. We were never notified by Wells Fargo wether we got the modification or our house was sold or any communication that we are no longer home owners. PLEASE HELP US KEEP  OUR HOME. We love our home our kids grew up there we just need help and a little time to get back where we were at financially. Thank You I hope to hear from you
Consumer complaint received 2017-06-25
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. (OH)

In  XX/XX/XXXX  I filed a complaint with Equifax and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate.
2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :  XXXX  6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MI)

We submitted a short sale on X/XX/17 with Citi. A negotiator had already been assigned in XX/XX/XXXX. Our negotiator finally reviewed our file after numerous follow-up calls and e-mails on my part. On this  particular short sale the 1st lien is receiving a full payoff. The 2nd lien would then receive any remaining funds. On X/XX/17 I received a message from the negotiator advising me to REDUCE THE PAYOFF ON THE 2ND LIEN TO {$6000.00}. What would she like for me to do with the now excess {$71000.00}? I e-mailed XXXX my processor and called in. I spoke with XXXX on XX/XX/XXXX via  phone. She was able to communicate with the negotiator via IMing while I was on the phone. The negotiator said she did not realize the 1st was a full payoff ( yet she admitted she is assigned to the 1st and 2nd liens ). She said she would review the file and would update me on Monday XX/XX/XXXX. Of  course there was no update on XX/XX/XXXX, nor on XX/XX/XXXX when I called. The afternoon of XX/XX/XXXX XXXX  messaged me again with the negotiators update ... to reduce the payoff to the 2nd lien to  {$6000.00}!! Again, no advice on what to do with the {$71000.00} that Citi refuses to accept. XXXX then went on vacation until XX/XX/XXXX. I spoke with a manager on XX/XX/XXXX ( XXXX XXXX ) who agreed that the bank should be willing to accept the extra $ XXXX and that he would escalate my file for the negotiator 's manager to review. I called today, XX/XX/XXXX - still no update and still unable to speak with any decision maker. They told me to now wait until XX/XX/XXXX and then call back. My options are : pay myself the extra {$71000.00}, pay the seller {$71000.00}, reduce the sales price by {$71000.00} or give Citi the {$71000.00}. Unfortunately, no one at Citi seems smart enough to accept the {$71000.00}. I find it ridiculous that I have to ask for assistance to give you more money.
Consumer complaint received 2017-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. <P/>... <P/>ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. <P/>I am continually getting notices like this that are typically a matter of incorrect data entry.
Consumer complaint received 2017-06-25
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)

EQUIFAX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted equifax regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

I first filed a complaint against Chase regarding the credit reporting on my payment of the mortgage and how my payments are being applied. The reference number is XXXX. I got a response and an accounting statement. In their response, Chase decided to remove late payment status from the credit reporting agencies because even though there was a dispute regarding escrow, they admitted I continued to make my monthly payments in good faith. In looking at the detailed statements from chase I notice they are charging me late fees of {$39.00} per month for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for a total of {$150.00}. These charges need to be reversed as chase 's own letter says that I continued to make payments as scheduled. This is particularly idiotic as per chase 's own statement I cleared up the escrow in XXXX XXXX and it was their error about applying the XXXX XXXX as payment on principal. Also in chase 's response they cite a withdrawal from my account for city tax of {$1700.00} XXXX. The city of XXXX does not have a city tax. I want to see the the check for this tax, who it was made out to and how it was cashed. In XXXX XXXX the loan was sold to XXXX XXXX services. How do I get these guys to remove the bad information on my credit rating? Again, in selling the loan and passing on bad information, Chase has hurt me.
Consumer complaint received 2017-06-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile
Consumer complaint received 2017-06-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (MN)

My complaint is in regards to us bank home mortgage. I receive calls daily about my account being past due. Although I have never hit the 30 day late mark in the life of my mortgage. Representitives will call and refuse to identify themselves and hang up when questioned. Then call back later. I have spoken to 2 reps in the last 2 days and explained that I feel harrassed and there is no need to call me on my cell phone during my work hours because it jeprodises my job and my sanity and incurrs charges from my cell phone carrier. They will only say " you can submitt your request in writing and wont go past that. I have requested to speak to a manager to no avail and they do not take complaints on their own employees. Furthermore the reason I am perpetually late on my payments is because they are unwilling to adapt my payment due date and insist there is nothing that they can do. So on a monthly basis my credit is damaged although my payments are made no more that 30 days apart and allways have been. In semation I explained that these calls and their nature made me feel harrassed. I offered a valid time for communication between us bank and myself which is on sunday between XXXX amd XXXX. I offered in good faith to set up automatic withdrawals if they will stop damaging my credit and they refused. The reps are rude, then after sent my account immidiatly to loss mitigation in my view as a further insult to me. In no way have the calls been in compliance with the fdcpa or even moral value. The most recent calls were XX/XX/XXXX and XXXX 2017
Consumer complaint received 2017-06-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Dear, Sir/Madam, I did not know to whom I should address my concerns to so if you would be so kindly as to forward it to the appropriate area I would be greatly appreciated.
<P/>
My name is XXXX XXXX XXXX I have had nothing but misery since you have become my mortgage holder. Your paper work has my mortgage start date as XX/XX/XXXX for the amount of XXXX however this mortgage was started in XX/XX/XXXX and original amount is for XXXX please see the attach documents. I am also attaching the copy of the document you sent title wellfargo 1,2,3. Please note the signature on the bottom of those document are not mine or my husband. They seem to be paste and cut.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Contacted EverBank several times including the office of their CEO   XXXX   XXXX   XXXX  and was given the run around.   EverBank did not address the false & misleading advertising or shortage of interest I had received. Please see my complaint letter & attachments.
Consumer complaint received 2018-06-14
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: Early Warning Services, LLC (TX)

XXXX XXXX XXXX stated they blocked and or removed the fraudulent accounts from my XXXX XXXX XXXX  Reports however they did not. There are several inquiries listed on my XXXX XXXX XXXX  Report. One of Which is from XXXX XXXX and shows that an account was opened on XX/XX/2017. I have not ever opened any accounts with XXXX XXXX at all. These accounts if they were attempted to be open or opened are fraudulent. I did not apply for any accounts or services from this bank. Additionally there is an account on there from XXXX XXXX which i did not apply for nor have i received anything from this bank and this account is Fraudulent as well. 

Additionally i have not attempted to open a bank account in almost 4 years. There are inquiries listed on my EWS report from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I did not authorize any of these inquiries i haven't attempted to open a bank account either i want all inquiries listed on my report blocked. I have reported this to XXXX Police Department. Additionally you have addresses on there that are fraudulent as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2017-06-26
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: EQUIFAX, INC. (FL)

XXXX and Equifax are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. Equifax answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of Equifax to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. XXXX did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with Equifax and XXXX i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter XXXX
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have a Capital One card that I set up automatic payments on. Some how the payments were only made for the first month and they deducted twice the amount that was supposed to be deducted. I called them and they advise it was a mistake and refunded my money. For the next 7 months, no payments were made on the account. I was not aware of this as I work nights and my wife handles the checking, until I received an email that my account was going to be closed if I did not make a payment in the next two weeks. I made the payment and immediately called them. They investigated it and reviewed my past calls and confirmed that this again was their mistake. They advised me that my card would be reinstated and that any late payments would be removed from my account and record. None of the late payments have been removed. I have disputed this with all the credits beroes and Capital One always comes back and states the reporting is accurate. They do not take the time to review my past calls or the record.
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my XXXX XXXX, Equifax and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : XXXX : XXXX
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (HI)

I established a credit card account with Discover in XX/2016. I suspect a former friend of mine to be the person responsible for making unauthorized fraudulent payments and then making unauthorized charges with 1 of 2 cards I held for this account. I filed a complaint with Discover regarding the fraud that occured on my account, Discovers investigators asked my to sign a form concerning the fraud and if I was willing to press charges against the suspected person, I told Discover that I did not want to press charges against the suspected person because this person had a XXXX year old daughter, and I did n't want the daughter to be put in foster care if charges were brought against the mom. Discover then told me that if I did n't accept responsibility for the unauthorized payments and charges that the account would continue to report on my credit report with all the fraud charges included. Discover then asked me to agree to a verbal agreement to assume all liability for the fraud since I was not willing to press charges against the suspected person responsilble. Discover investigators misinterpreted what I agreed to in that legal disclousure, I only agreed to be responsible for the balance on the card prior to all the fraudulent payments and charges made to the account. I have tried numerous times to dispute this discover account with the credit bureaus, also including a FTC Identity Theft Affidavit that included a police report and was notarized. The credit bureaus " blocked '' the account initially, but Discover continues to have them " unblock '' the account, so until this day the account continues to wreck my credit score, and has ultimately caused me to be declined for employment oppurtunitys because of a low credit score. I have also not been able to establish contract post paid cellular accounts with XXXX XXXX XXXX and XXXX due to a poor credit score.