davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (PA)

After checkichecking my credit report i have several hard inquires that i did not make ... .there was XXXX that i authorized ... ... .all others were not authorized by me ... ... .what can i do to have these inquires removed and what can i do to find out why these hard inquires were pulled on my credit ... ... .who authorized these????
Consumer complaint received 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (VA)

My payments with Stearns were {$960.00} to start in XXXX XXXX. This was to include my escrow for HOI and taxes along with my PMI. XX/XX/XXXX they started taking out {$14.00} for my PMI. I never disputed because I did n't know there was an issue. In XX/XX/XXXX they did an escrow account analysis and then sent me a disclosure that my payments were going to be $ XXXX They erroneously took the entire deficient and put my escrow account in the RED by thousands of dollars. Stearns not deducting the correct amount for my PMI actual put me into a financial hardship. I have made numerous phone calls trying to get the break down for the escrow account and to also to try and figure out where the disconnect was in the amount increase. After 86 hours of making telephone calls and getting the run around I gave up trying. I hope since now I see that I am not the only person with the same complaint something can be done. I had to bring over {$4000.00} to the closing table to get a refinance because of their negligence. They also said to me that if I were smart I should have picked up on the incorrect payments, with that being said you have to be of a certain caliber to own a home. This is a total disgrace to the mortgage industry and the scams that occur every day.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Adjusters, LLC (WI)

Consumer Name : XXXX NCA Reference No : XXXX NCA Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to NCA - I have been negotiating in good faith with NCA for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. NCA had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, NCA rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with XXXX XXXX. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with XXXX XXXX and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed NCA and requested status of my account. NCA emailed a reply back indicating that XXXX XXXX had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that NCA has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if NCA had transferred collection of the account, the contact information would have been provided to their new representative.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MRS BPO, LLC (IL)

I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. 

XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.
Consumer complaint received 2016-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC. (TX)

EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (OR)

I have had an on going problem with Wells Fargo Bank Credit Card Division regarding Payments. My payments are due on the XXXX of each month. Most months I pay my payments weeks early, due to budget issues. My XXXX payment was made on the XXXX of XXXX. At the XXXX of XXXX I received some inheritance money and made some extra payments to the account. on XXXX I paid {$2000.00}. On XXXX my credit card bill posted online and I paid the {$290.00} plus an additional {$250.00} for a total of XXXX. They posted the XXXX payment to XXXX rather than XXXX and charged me a late fee. they removed the late fee but have refused to adjust the account. I went into the bank and had a banker talk to the credit card office twice and have a third appoint for XXXX. My last appointment only brought frustration for me and the banker. The bankers agree that I am right and that my account should be adjusted. The credit card division has been nothing but rude and condescending.They keep saying that they no long correct their accounting errors. I had this same problem in XXXX and XXXX. I turned it over to the Consumer Protection people for resolution and they had the credit card division audit my account. they ended up refunding me over {$300.00} in late fees. Since I have made this same complaint twice they will not help me.
Consumer complaint received 2016-10-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

To make this short and concise, I will describe the situation. 

Enhanced Recovery put an XXXX collection on my credit report a few months ago. I have attempted to dispute this account with the XXXX credit bureaus because I have had uninterrupted service with XXXX XXXX XXXX for 15 years now. The credit bureaus claimed that this account was verified as legitimate by Enhanced Recovery. 

After calling Enhanced Recovery, a representative named XXXX XXXX could n't say what the debt was for and could n't provide me with details of the charges but instead kept telling me to go talk to XXXX XXXX XXXX about this debt. When asked to speak to his supervisor, the line was put on hold and eventually hung up. They were called immediately back and I finally spoke with a supervisor. 

The Supervisor claimed that it was for a landline phone that was connected from XX/XX/XXXX to XX/XX/XXXX he claimed that bills were sent to me with no response but he gave me an address I have n't lived in for many years. When the supervisor was asked why XXXX XXXX XXXX had never sent me a bill or contacted me about this debt he could n't answer. When asked why his company had n't contacted me either he still could n't answer. Finally, when I asked why his representative XXXX XXXX could n't say what this debt was about and why I was being told to get any relevant information from XXXX XXXX XXXX themselves but now the supervisor himself supposedly had the information to give me the supervisor could n't give me a response either. 

This debt is not mine and I do not owe XXXX anything. I have had service with them for 15 years and if I truly owed them anything they would have notified me. After all, they do have my current phone number and address. This debt is invalid and I believe Enhanced Recovery is trying to collect this debt fraudulently. They already " verified '' it with the credit bureaus when they know full well they ca n't. 

This account is literally the only account preventing me from buying a house and if Enhanced Recovery does n't quit it 's illegal collection tactics I will be forced to sue. Houses are n't getting any cheaper and I am not getting any younger.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Credit Service, Inc. (GA)

XXXX XXXXa.k.aXXXX ( XXXX ) a.k.a. Federal Credit Corp. a.k.a. XXXX XXXX XXXX a.k.a. XXXX XXXX a.k.a. XXXX XXXXcomplaint with Consumer Financial Protection Bureau ( CFPB ) XXXX/XXXX/XXXX - Original debt to XXXX discharged in bankruptcy ( please note that all account numbers given to me are different from the original account number from XXXX ) XXXX/XXXX/XXXX - XXXX ( XXXX ) sent collection letter for {$9400.00} ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX, phone : XXXX, fax : XXXXXXXXXXXX/XXXX/XXXX - XXXX permanently closed account per XXXX XXXX - Federal Credit Corp sent collection letter for {$10000.00} ; XXXX XXXX XXXX, XXXX, TX XXXX. XXXX XXXX permanently closed accountXXXX/XXXX/XXXX - I filed online complaint against them. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX called my cell phone ( never been listed with original debt ) looking for my spouse, claimed to be representing XXXX/XXXX and threatened legal action if $ 14,000+ debt was not paid over phone, insisted that debt was made in XXXX XXXX and payments were made until XXXX, refused to send any documentation supporting claim, XXXXXXXXXXXX/XXXX/XXXX - Contacted bankruptcy attorney and was told it was a scam, not legal, and I was covered under bankruptcy laws. 

XXXX/XXXX/XXXX - XXXX XXXX XXXX said the debt for {$4500.00} was charged off in XXXX XXXX and then sold to XXXX XXXX in XXXX XXXX. Phone : XXXX, fraud line : XXXX, customer service : XXXX - XXXX XXXX has no records of debt. Phone : XXXX, XXXX - XXXX XXXX XXXX called my cell phone, looking for my spouse, and wanted to collect debt for XXXX/XXXX claiming same as XXXX ( same scam? ), agreed to accept proof of bankruptcy either via fax or email ; upon receipt I need to call them to verify that file is permanently closed, phone : XXXX, XXXX, fax : XXXX, email : XXXXXXXXXXXX - Filing complaint against all involved to end this illegal harassment over a non-existent debt.
Consumer complaint received 2016-10-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (WA)

Due to circumstances out of my control I got behind on my line of credit w Citibank. I called them upwards of 100 times to try and restructure my loan while I continued to make payments. They suggested that I apply for a loan modification but conveniently over a year went by and each time I submitted documentation they claimed to not receive all of it so I was constantly sending I 'm document after document only to be told that the previous documents had expired even though I had already sent in ALL required info. Conveniently everything was always 'lost ' and no human existed in the front in which the forms were sent to verify receipt. Very very sketchy. This went on for well over a year, possibly two. The answer was always some bs about how you had to qualify when the joke is that honestly probably no one ever qualified. They make zERO effort to help people who actually intend to pay money back and pay their bills and have no interest in making it right after the fact in terms of credit reporting or late charges which is fully in their control. Sadly the people who rarely pay their bills seem to have more privileges. What a world. I wrote to Citi explaining the situation and they could n't care less. Shocker. A XXXX dollar company not caring about a lowly customer ... so uncommon for big banks to treat their customers poorly..hmmm ...
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My husband and I were victims of bank fraud last XXXX 2015. Our bank account was depleted and overdrawn. All bills bounced, including rent and utilites. The bank cleared the issue and gave us back our money. In the mean time they gave us a letter explaining the bank fraud that we could give creditors that bounced transactions. One of my creditors Sears/Citibank N.A. wold not accept the letter or let me make partial payments on my credit card to catch up. Then they sent me to collections. Even after having closed my account and sending me to collections they continue to send me bills which continue to rise. They wo n't accept partial payments and I have tried to dispute the charges but they will not cooperate.
Consumer complaint received 2016-10-21
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I recently opened a Savings Account with Wells Fargo Bank with a {$5000.00} deposit. Several days later I returned to the bank to add my spouse to the account, and we executed a Wells Fargo " Relationship Change Application '' ( their form XXXX ). What I noticed at the time was that while Wells Fargo keeps the original form, with our signatures, for account verification, the page they provided me DOES NOT have those signatures. That leaves open the possibility that the page could be substituted, within the bank, to replace those signatures, thus opening that account to abuse. Without a copy of our own signatures, we have no PROOF that WE opened the account, and provided our signatures at the time, because those signatures are unreadable on the copies we were provided. 

In telephone discussions with Well Fargo employees, today, all of them assure me that this is a Wells Fargo policy, and they can not provide me with the confirmation of our signatures by retaining a copy ourselves. Apparently, their policy is that " no document leaves Wells Fargo 's premises with the customers ' signature exposed. '' I believe that is a decision that the CUSTOMER should be permitted to make, rather than having a security policy in place we have no authority to challenge. 

With the recent exposure of other activities by branch employees, this seems to me to fit within that category. The decision to " leave Wells Fargo premises '' with MY copy of the document, subject to MY control, should by MINE, not the institutions. No one at Wells has proposed that this is law imposed upon them ; they universally assert it is their " policy. ''
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Every company whom pulls my credit report sees that I have XXXX Credit Score. Upon examining my credit report for XXXX, I see that there are XXXX different names on my credit report, XXXX being XXXX XXXX and XXXX being XXXX XXXX XXXX. The companies are getting the report for XXXX XXXX, but the entirety of my credit history exists under XXXX XXXX XXXX. I keep getting declined for EVERYTHING I APPLY FOR based off of my SUPPOSEDLY nonexistent credit score that your companies are misrepresenting to them. I am utterly outraged and will be seeking legal action against the credit reporting bureaus if nothing is done to have this problem corrected in your system. As if this has not caused me enough problems already, I spent XXXX $ and applied for a rental home a few days ago and was DENIED because of a N/A Credit Score. I ca n't believe no one has noticed this fatal error!
Consumer complaint received 2016-10-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I called into the bank about a credit limit increase. I was concerned about a hard inquiry to my credit report. The representative informed me she would make a change to my online account, informing me to preceeded and assured me it would be a " Soft '' pull inquiry. I applied and called back to confirm my previous call and was again assured that it would be a soft pull. Well it was n't and they Lied like really lied. They are refusing to remove a hard inquiry that I did n't not authorize.
Consumer complaint received 2015-08-25
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (AZ)

Hello, I order parts on XXXX XXXX and used XXXX to pay for the amount of {$330.00}, some of the parts I receive were damage, so I mailed back for a refund, the value of the damage part cost {$130.00}, I spoke to XXXX about it, and I provided them with a tracking number, XXXX. they said the tracking number is invalid that 's why they can not refund me the money. I had provided them prof with a receipt that I had mail the parts out, but they still denied to refund the money.
Consumer complaint received 2016-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.
Consumer complaint received 2016-10-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I obtained a Modification Approval from my Mortgage Company, PennyMac Mortgage which was supposed to give me a 2 month payment hiatus and a reduced mortgage payment. 
I was told this Modification would be reported to the Credit Bureaus as my making partial payments. This never happened. Instead, my original mortgage payments were reported as very delinquent over the course of the Modification. The XXXX page Modification Approval I received advised me on the first page that I was only to make my new modified payments during the Modification. The XXXX page, which I did not look at until recently, told me that I in fact, I had to make my regular payments as well as my modified payments to avoid Delinquency Reporting during the Modification period. This entire transaction was misrepresented to me at the beginning and during the Modification period.
Consumer complaint received 2016-10-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NE)

Went to the government 's official credit reporting site, XXXX, and the only service that gave me a report was XXXX, Equifax gave me a XXXX ( which is a server error ), and XXXX did n't work but then thanked me for using their service, without providing a service, which means I ca n't look at it until next year.