davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

We were as month behind then two I scheduled a payment and needed to change the date they did n't change it so it bounced. I set it up again they refused there payment I have confirmation of the payment but they never applied it. I wanted to add to my monthly payment as o if be caught up by XXXX they refused now want XXXX by XXXX I ca n't come up with it I 'm XXXX and have high med bills if they 'd let me get caught up by say XXXX XXXX I could do it but they wo n't our old mortgage co let me pay extra when I fell behind this co said they do n't allow it well my Lian was sold XXXX never agreed to a private investor who wo n't follow the law. I need a payment agreement
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (OH)

I have been experiencing medical financial hardship for the past few years. I have spoke to this creditor numerous times for help in lowering my interest which is extremely high. over 20 percent. they have put me in 2 programs and still i made every payment on time which still was a lot of interest. i spoke to them today and asked to close the account and reduce the interest rate so I could make a dent in the balance. my advice was to transfer to another card or file bankrupcy or contact a third party. They were not willing to help at all. I continue to get letters and offers in the mail to keep using my card when I 'm not able to afford the payment and the interest. I would never use this credit card or company again. I have been through emotional stress and they could care less.
Consumer complaint received 2017-10-11
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. (NY)

After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the Creditor and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the Creditor and Credit a Bureaus have not provided the proper validation which violates my consumer rights.
Consumer complaint received 2017-09-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

On or around XX/XX/XXXX, I applied for a short payoff of {$130000.00} with my mortgage Servicer Select Portfolio Services. I was notified a few weeks later that my request was denied. I called and was advised that I can file an appeal which I did. I filed the appeal on XX/XX/XXXX, but this time received a modification which is only saving me {$50.00} per month. 

This is the reason why this plan the mortgage company has for me is not working. The amount of outstanding balance is {$180000.00}, the adjustable interest rate is 10.25 % and my payment is {$1900.00} per month. The property appraisal which was recently conducted by the mortgage company is {$130000.00}, this means, I am {$46000.00} in the hole. Select Portfolio Services does not do refinances so they can not help me in this area. 

I applied for a refinance with another mortgage company which offered me a FHA 4.00 % fixed rate of interest with an approximate payment of {$1000.00}, this is a savings of {$870.00} per month. The only thing that is preventing me from getting this refinance is the loan to value of the house. 

I know I should not have signed the original loan but, my husband and I were senior citizens and did not fully understand that the rate was going to get so high. We had to file a chapter XXXX which got discharged a few months ago in order to keep the house. My husband XXXX who is also on the loan is XXXX years old and working FORTY hours per week as a XXXX XXXX just so we can pay the mortgage. Lately, his health has not been good and within the next six months, the doctors advise him that he must stop working. I am XXXX years old, have some health issues also and is getting ready to retire in XXXX of next year. After retirement, we can not afford to keep this house with this same payment. 

We are older and would love to stay in the house since it is custom made for us. It is hard as senior citizens to pack up and move. We are trying to keep the house, but is in desperate need for your help. We were senior citizens when we refinance this house and should have never been given such a high interest rate, this is predatory lending, we were definitely taken advantage of. By doing a short payoff, we can get a much lower interest rate which will in turn lower our payment by {$900.00}.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo provide a brand new full documented loan over the telephone ( XXXX v. Wells Fargo, XXXX ) we requested a modification to our existing mortgage with Wells Fargo we believe they colluded and coursed us into a full loan which removed us from qualifying for a Government HAMP loan as the date is now outside of the guideline for approval. Question is why did Wells Fargo not provide us what we asked, a simple modification. Wells Fargo not only requested but demanded over the phone we sign the new fully documented loan or there as nothing they could to help us. This eventually forced us into bankruptcy, we tried desperiately to communicate with Wells Fargo, and they ignored us, and eventually sold our loan to XXXX, who foreclosed on our home. We are currently making probationary payments to keep our home. Wells Fargo never told us they were selling our loan to XXXX until it was too late. We need HAMP assistance! Our principle balance should revert to XXXX due to our bankruptcy, and we should be able to get a 2-3 % interest rate. XXXX provide their solution which is NOT a solution at all, in fact we believe they are taking advantage of the situation. We can provide more information to you via PDF file. I spell out our situation pretty clear in my previous presentment to all parties involved.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I bank with Wells Fargo, Checking account and savings. Wells Fargo is engaged in illegal business practices of my account. Yes I have been overdrawn a bit. I am a XXXX veteran, I have direct deposit. On XX/XX/XXXX. I deposited XXXX in my account. A Ga. Lottery check. I told the teller to take the money out for the overdrawn amount. He did n't. Instead he gave me XXXX And said he was going to deposit XXXX And on the next day I can come and get the other XXXX. He did n't tell me anything about the hold until after I had deposited the money into my account. I got the XXXX out the next day but they charge me the XXXX plus the overdraft fee. I need my money. They put a 10 day hold on a Ga. Lottery check. They do n't always put hold on certain customers checks. I have been having problems with them every since I been with them. It does n't take 10 days to verify a state check. I have deposited one before and they did n't put a hold on it. And I was overdrawn at that time. I ca n't pay what I needs to pay and get me some food. They have made it to where I do n't have no choice but to get my money out what ever they allow me to have for my personal use. Which have created more overdraft fees. I tried to resolve this matter several times with them to no avail.
Consumer complaint received 2016-11-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Riverwalk Financial Corporation (CA)

This company is reporting a debt I have no knowledge of and for which I never received a notice of debt from the company as rquired by the Fair Debt Collection Practices Act. Therefore, on XXXX XXXX, 2016, I requested they provide me with info on this debt per certified letter. ( see attached letter ) and they have failed to provide this information. This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have paid the company to remove credit freeze and sent a copy of my social security card, drivers license, and utility bill to permanently remove a credit freeze and they put it back on without my consent. Transunion constantly sends you to XXXX and it is a vicious cycle of sensitive information being given out to those that have the opportunity to commit data breaches and other identity crimes.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (ID)

On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.
Consumer complaint received 2017-10-11
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. (NC)

I am attaching a letter that I sent to Equifax, XXXX, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.
Consumer complaint received 2017-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX Comenity Bank/XXXX, Comenity Bank/XXXX and on XX/XX/XXXX Comenity Bank/Victoria Secrets pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my XXXX credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I just recently received an email by XXXX XXXX ( which is the outlet I check my credit score on occasionally ) and it had notified me that my credit score had gone down. No body wants to hear that, especially when you 've been trying to bring it up and stay up. There I had noticed some " hard inquiries '' which I had no information on. I looked it up and there had been several of these " hard inquiries '' throw out this year. I never noticed that these credit card and cable companies had run my credit with out consent. So I am here asking to please reach back so I can get the proper education and instructions on how to prevent this from ever happening again or even getting it off my report. 

Thanks in advance!
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Comerica (MI)

Over {$63.00} was taken from my Comerica checking account, without authorization from a company called XXXX XXXX XXXX. No authorization was given for this to take place. 

In addition Comerica has taken another {$13.00} from my checking account without my authorization and despite providing all necessary information to the company needed for a " free checking account '' ( an account with no fees ). Totaling over {$78.00} this year alone. Furthermore, Comerica has deliberately, failed to provide me with monthly statements in previous complaints against the bank this year, however, sends me a monthly statement for XXXX 2016 to XXXX 2016.
Consumer complaint received 2017-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Approximately XX/XX/XXXX my son attended XXXX XXXX College. One of his loans which was a private loan through XXXX XXXX was in my name. Payments were automatically withdrawn from my account on a monthly basis. In XX/XX/XXXXI went online to check the balance of the loan and could n't sign on so I called XXXX XXXX and it was at that time I found out that my loan had been taken over by a company called Navient. I called and spoke to several representatives trying to get information about my loan but no one was able to help me. I asked to speak to a manager and was told that there was no manager, this was on XX/XX/XXXX I made five calls to Navient with negative results. I stopped the automatic payments thinking that if they did n't get my monthly payment that maybe they would call me, but I have n't heard from them and they have n't asked for any payments. I find that really strange however they ( Naivent )  were automatically deducting my money on a regular monthly basis and when I started asking about my balance they could n't or refused to give me information. I would like to know if Navient owes me any back pay or if I still owe on this student loan. Thank you
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have tried on numerous occasions to get the 3 credit bureaus to accurately report my accounts. I explained that one creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all 3 credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. ()

I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now. 

I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (OK)

Barclays Bank Delaware XXXX XXXX XXXX XXXX, XXXX DE, XXXX ) has twice in a years time issued a credit card fraudulently in my name to thieves, after contacting XXXX my credit score, XXXX whom I had requested a credit freeze. Additionally, they substituted the phone numbers of the thieves for my contact telephone number into my personal information XXXX. This was just descovered in XXXX while monitoring my credit reports. Finally, after being notified by phone, by mail and by XXXX, they have not removed the fraudlent account from my credit file XXXX after 8 months! XXXX. Please investigate Barclays Bank which appears to be fraudulent themselves.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (WA)

I have had a PMI with PNC Bank XXXX formerly XXXX XXXX ) since XXXX. I 've recently had an nationally certified appraisal on my property and realized the value has now exceeded the necessary 80 % Loan-to-Value amount. I reached out XXXX/XXXX/XXXX to PNC Bank to proceed on removing PMI and was informed that PNC Bank is requiring me to conduct an appraisal through an appraisal company they own and pay an appraisal fee that is twice the normal amount. They refused the nationally certified appraisal and are denying my ability to remove the PMI I qualify for until I pay their fee. I cited that none of the mortgage/closing documents say I have to use PNC Bank 's appraisal company. They agreed that there is no language or binding agreement, but that they have instituted this policy and will not budge.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (SC)

My credit limit was increased without my knowledge or request. I never opted-in or was informed of this policy. This creates a situation where additional charges could be made on my account by someone who has stolen my financial data. It can affect my credit score. 
In addition, the information available to the customer online does not accurately reflect recurring payments pending. The payment is n't posted for XXXX hours and because the customer does not see it listed as pending, the customer may wonder whether or not it is being processed. This would not be of great concern except that the interest could increase by as much as 20 % if XXXX payment is past due. The customer is allowed to schedule payments on a date other than the due date, but if they do so, it may prevent a recurring payment from being processed for the upcoming due date. A customer has no way of knowing this until after the payment is not processed. Because of this, an extra payment on an account may cause unexpected results. The recurring payment agreement can only be seen on the paper bill or by downloading a copy of the paper bill. 
This all seems like an effective way to confuse a consumer enough to miss a payment allowing the increase of interest applied to the original balance of the purchase. 
If online accounting and bill payments are allowed, all activity should be listed clearly under XXXX report or statement. Instead, there are XXXX different " summaries '', " reports '', " history '', or " statements '' none of which reflect all current, scheduled, pending, or past activity. I have never seen such a mess of accounting from any bank or credit card.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (GA)

Hello, i recently seen a collection on my credit report under Medical data systems inc, i disputed the collection with all XXXX credit bureus and never recieved validation, i also sent Hippa letter and validation letter to Medical data systems but never recieved responce, however the collection remains on my report.This is false practice and they are violating my Hippa rights