davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (GA)

Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.
Consumer complaint received 2016-11-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I will like to file a complaint regarding Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA . XXXX XXXX XXXX XXXX in the matter that they are reported unverifiable debt, I 'm not aware of who and when this account was open. I have asked the company twice in writing to verify the debt however they have failed to do. I also asked them to stop reporting this debt to the XXXX major credit bureau. They are not practice good lawful business.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (AL)

The complaint actually involves ( Unauthorized Inquiries ) by Clarity Services , Inc. Inserted below is the email sent to Clarity Services asking for an explanation about the Unauthorized inquiries into my credit history. 

" Saturday, XXXX XXXX, XXXX To whom it may concern : This morning while reviewing my Annual Credit reports XXXX inquires from Clarity Services , Inc. was identified in my XXXX file. Please see the attached page extracted from my credit report. 

I would like to know what company requested the report ( s ). 

I have not requested or submitted a request for credit for neither of the dates noted ( XXXX XXXX and XXXX XXXX ). There should not have been any inquires from any organization. 

In addition, the information in the XXXX file that you provided is incorrect. Thus the purpose of reviewing my reports. 

These inquiries are determined to be " Hard inquires '' and does impact my credit rating. 

Thank You, ''
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent another letter to TransUnion to have my credit report corrected. The letter is attached and dated XXXX XXXX, 2016. My credit report is still show inaccurate information. See attached documentation.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IL)

My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries : 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. The unauthorized and fraudulent inquiries do not belong to me.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to XXXX credit bureaus. This is a huge concern. Please resolve this issue.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Security National Automotive Acceptance (NC)

In XXXX XXXX, I purchased a 2012 Honda Civic from XXXX XXXX, XXXX XXXX, Virginia. The purchase price was approximately {$10000.00}. The loan was 60 months at 7-8 % interest. My car payments, according to the dealership, were supposed to be $ XXXX/month. In XXXX XXXX, XXXX XXXX attempted to take approximately {$450.00} from my XXXX XXXX XXXX XXXX without my permission. I contacted the dealership, and they told me the car payment was in fact {$470.00} per month. I told them I did n't want to do business with them, as that was not the agreed upon price. They took the car back ( travelled to North Carolina and got it ), and told me I was free and clear. In XXXX XXXX, I received a notice of an involuntary allotment from my command by Security National Automotive Acceptance Corp. This was the first time I learned of any legal action against me, as all paperwork for somehow sent to my home of record, despite the dealership and finance company having my address in North Carolina. The judgment against me was for {$10000.00} at an interest rate of 20.15 %. SNAAC 's attorney, XXXX XXXX, told me that they should have mailed me at my NC address or through my XXXX. The judicial decree ordered me to pay the full amount, plus attorneys fees for SNAAC. Further, I have been receiving notices from SNAAC that I have been applying for loans, and those loans are being rejected. However, I have not applied for any loans.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I sent them the fileing of my chapter XXXX XXXX XXXX 2016 Equifax has been notified by the courts my attorneys office and myself and they still do n't have it on my credit report in which is ruining my credit all together my credit report was XXXX now it 's in the XXXX s please help me they are not doing there jobs correctly and I am getting ruined XXXX and XXXX are reporting perfectly ... ..
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Balance transfer — 
Company: PENTAGON FEDERAL CREDIT UNION (KY)

I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.
Consumer complaint received 2016-11-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: HANCOCK MORTGAGE PARTNERS LLC (TX)

My husband and I were working with XXXX with Hancock Mortgage and asked if we should cancel the contract on a house we were looking to purchase because of some credit issues. XXXX told us no, do not cancel because he had the deal done after we paid a few things off, which we did EXACTLY what he told us to do. After we paid an auto loan off ( of more than XXXX $ ) he told us he had submitted our file to the VA and we had to wait on the clear to close from them. Two weeks went by, and I was asking on a daily basis if he had heard anything from the VA and he kept telling me no nothing yet. The final extension was about to expire on the contract and then out of the blue XXXX informed us and our agent, XXXX XXXX, that the file " never left the processor 's desk '' - meaning, it was stuck under some paperwork and was never submitted to the VA for approval. Because of this, he lied every single day that I or my agent asked him about the file. Each and every day he continued " he was watching the VA portal and it was still pending ''. How could it have been pending if it was never submitted? Because the seller 's agent refused to do another extension they wanted the contract canceled. My agent sent paperwork asking to release our earnest money but the seller 's refused because of the time it was off the market. Mind you, this was n't our fault. We did everything the loan officer told us to do and we were told we were waiting on the VA for the final approval to go to the closing table. So, we ended up negotiating {$350.00} split between us and the sellers. But, it is n't fair that we lost our money at all because I had asked XXXX multiple times should we just cancel within the time frame so that we would n't lose that money, we were n't in a position to lose {$700.00}! He kept promising me everything was ok ( including the real estate agent ). And, I feel that since they were the sole reason we lost the {$350.00} that they should reimburse us this amount. The mortgage company did reimburse us the appraisal fee but refused to reimburse any other fees " because that 's real estate for you ''. Yet, if they had n't lied and were n't deceitful towards us we would n't have been out any money what so ever. XXXX XXXX tried making me feel bad they he had to pay for a " rapid rescore ''. I did n't ask for the rapid rescore. My husband and I were given a very specific list of things to tackle for XXXX to approve the loan. We did EVERY SINGLE ITEM ON THIS LIST and was still lied to throughout the entire process. I want my {$350.00} that my husband and I are out.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

3 years ago I bought my house. I paid for a whole-house inspection and roof inspection and the seller increased the price by {$3000.00}. For the last several months, I 've experienced mold issues. There 's XXXX mold in the add-on room in the garage and it 's made its way up the wall into my shower. XXXX is performing mold remediation and mitigation. There 's a leak in the roof of the add-on room. There is no proper water drainage and the water just sits on top of the roof. The add-on room was poorly constructed and is not fit for water drainage. A claim has been made with my home insurance. I now have a {$1000.00} deductible and still need to get the leak fixed. My complaint is with the seller who took the time to ensure my home was painted throughout the interior of the house, as well as the exterior with a single coating of the cheapest paint he could find, covering damages and not ensuring there 's a proper permit for the add-on room as well as laughing at me and telling me to " prove it '' when I contacted him and informed him of the mold situation, advising that it is his responsibility. This seller also works with XXXX XXXX XXXX. I 'm in need of help, as I am on a very fixed income and can not afford the repairs or deductible and I seek justice. I was sick for 8 weeks and still worry for my health and wellbeing. I an seeking financial recourse from my mortgage lender, Chase.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (VA)

I have been a customer of Wells Fargo for over 30 years. I have been patient with Wells Fargo Up to now. I wrote a check to the XXXX in XX/XX/XXXX for XXXX. The check processor folded the check and the XXXX was paid XXXX dollars. I found out in XX/XX/XXXX when The XXXX send me a demand notice plus interest for my delinquent payment. I understand that it was an error and the Bank would take care of it. I went to my local branch and worked with a banker there. We worked it out, or so I thought. She made a transaction correction and debited my account of XXXX. XXXX XXXX # A XXXX ) XXXX month later I get a demand notice from the XXXX looking for their money. 
I call the XXXX and they say we have not received the funds. 
I go back to the branch. The money from my account is sitting in a frozen account waiting for the XXXX to demand the money. I call the XXXX and they say we just want our money. We do not have the time or resources to call Well Fargo. I made another call to Wells Fargo and they referenced ( XQR XXXX ). I called a few minutes ago and the Wells representative XXXX said she would escalate and get back to me in XXXX business day. I am caught in a nightmare. The XXXX may put a lien on me. This is not how Wells Fargo generates trust. Your process is broken. Please let me know what you intend to repair this horrible situation.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After multiple disputes with Trans Union they are still inaccurately reporting a late payment on XXXX on my XXXX XXXX. XXXX has sent XXXX requests for the information to be updated yet Trans Union has not updated the information. I do not have any late payments with my XXXX XXXX.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (FL)

I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. I filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediations they said once we produce the documents and letters that my figures we were good and I would have no problems qualifying and getting approved as I qualified for it. They based my mortgage in mediation on fixed XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. Then we got a denial. 
So, I filed all over again several times and finally got approved for XXXX at 2 % fixed mortgage. I made my payments of XXXX per month and after the third payment they sent the final paperwork and the mortgage went from XXXX to XXXX Balance. The house only appraised at XXXX so I do n't know how the mortgage went to XXXX? This is nothing more than predatory lending again! How can a homeowner sign a mortgage for more that the house is worth and the figures they are using have tacked on XXXX onto the original pic a payment loan for interest! How are they getting away with this? How do they give me a predatory mortgage again? Today they were accused of racketeering for charging homeowners who were in default way over what their loans were and they settled again for XXXX XXXX dollars. Why ca n't I get a mortgage modification for a fixed price which I was quoted originally and now and they keep playing these crooked games? HAMP has now supposed changed over this long process and that is why they stalled to approve me! I want this straightened out.
Consumer complaint received 2016-08-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Services did not follow thru on the HAMP modification that was applied for thru XXXX XXXX. They stated that the 3 month trial period would be as long as 10 months because they were too busy to look at it from acquiring too many loans from XXXX XXXX XXXX. XXXX XXXX XXXX approved a trial HAMP for three month sold the loan to Carrington Mortgage Service before the first payment was received. A good bye letter was received but no welcome letter ever came. Every month required a phone call to Carrington to make the trial modification payments which were XXXX more than the regular monthly payment. Numerous calls to Carrington with poor or inaccurate information have occurred. Carrington ultimately denied the modification due to liens they stated were attached to the property. The liens are not attached to the property and Carrington did not provide accurate information on the phone. Carrington will not apply over 6 months of full payment to the outstanding balance and have cause a determent to credit scores and ability to get out of this situation. Carrington did not try to obtain clear title just stated there was not a clear title. HAMP guidelines require the lender to do everything reasonable and necessary to obtain clear title to approve a HAMP modification. This did not occur.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

There 's been a gross miscarriage of justice committed by Wells Fargo Bank with regards to my mortgage. My XXXX family home is in XXXX XXXX, and when Hurricane XXXX hit, I was a XXXX resident. I have since moved back into the home. I received no FEMA assistance, because I did not occupy the home. There was a foot of water in the house. Wells Fargo offered me XXXX six month payment moratoriums and promised to put the arrears on the back end of the loan, via a mortgage modification. Wells Fargo then sold the mortgage to XXXX in 2013 for a mortgage backed security issue, and the terms of the payment moratorium and mortgage modification changed. The new investor then demanded the full sum of the payments and my home is now in foreclosure. The investor will not give me a modification, after numerous attempts. The investor is uncooperative and has stringent modification terms, which are unattainable. There has to be a regulatory agency that can thwart this illegal act. Wells Fargo is culpable, the XXXX mortgage back security is culpable and I 'm now at the end of my rope, fighting to keep my home. I do not qualify for the XXXX Homeownership protection program because my income is $ XXXX above the maximum. I 've poured my blood, sweat and tears into my home. I 've sought legal counsel, who could not stave off this investor. I do not qualify for HAMP, because this is an investor loan. I 'm one of the forgotten homeowners who can not benefit from any of the government mortgage programs that were put forth by the Obama administration. From a debt to income standpoint, I can afford the mortgage. Affordability is n't the issue. I 'm pleading for your assistance with this issue. There was a summary foreclosure judgement entered recently. I 'm running out of time. Please assist me. I look forward to hearing from someone from your office. Thank you so much for any assistance that you can provide.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I started out with a XXXX loan XX/XX/1996, I now have a XXXX loan.My interest is high 9 % .I have been in forbearance in the past. I am in a income driven plan now because i asked. It seemed that Navient always pushed me into forbearance programs