davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I've reached out XXXX regarding harassments by an NMLS XXXX LO. I'm still being overwheled with spam by the L.O. There's not an " unsubscribe '' button and I've emailed the L.O. and this made the issue worse. When I called the number associated with the L.O. he hung up on me 4 x 's.

Add content is not the issue. Misuse and spamming abuse to the point of harassment is the issue.

Add from LO : Celebrating XXXX  We recognize XX/XX/XXXX as a day of freedom, reflection, and family for so many in our nation. XXXX commemorates the day in XXXX when all enslaved people were finally freed in the United States. At Wells Fargo, we are proud to join in this celebration of unity, equality and progress. 

Sincerely, XXXX XXXX XXXX XXXX Mortgage Consultant Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

XXXX XXXX XXXX has placed a collection account of {$210.00} on all of my credit bureau files. I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX   and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. They sent an itemized statement of services, which may be an HIPAA violation.
Consumer complaint received 2022-06-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I have sent several certified letters since XX/XX/XXXX to Lanier Collection Agency for debt validation of a debt that's being reported to XXXX for {$170.00}. I have not gotten a response from any of the letters that I've sent. I contacted the company on XX/XX/XXXX to pay the amount of the debt and ask for it to be removed once I paid the entire amount. I was placed on hold and told that I had 4 accounts with them and that they would not accept the payment to remove the debt until I paid all 4 which totaled to {$1000.00} ( not sure the exact amount ). Only one account is reporting on my credit report. I called to pay that one since I can not get validation of the debt. I was also told that they had spoken to me on several occasions about the debt and when I ask when because I did not recall, I was given a date of XX/XX/XXXX. The company refuse to accept the payment to remove the collect or to validate this debt, so I demand that it be removed from credit report and that they do not report any other collections that are not being reported. I was told that on XX/XX/XXXX they reported additional debts and as of XX/XX/XXXX the only debt that I'm referring to is showing on my credit report.
Consumer complaint received 2018-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my transunion credit report it is reporting that my XXXX account is an adverse account yet the pay status shows : Current : paid or paying as agreed. I have disputed this many times and it has been corrected with XXXX and the account shows as a positive account on my credit report. Transunion sent me a copy of the results from the investigation and it is still reporting as adverse with 1 late payment back in XX/XX/2017. I have contacted the creditor about this issue and was told to dispute it and they will respond that the account is current and always has been. There was a discrepency at that time with payments I had made to the account but it has been rectified since then and determined that the account has never been paid late. I am furious that this is ongoing and still has not been corrected. If XXXX was able to resolve the issue and put the account under accounts that are satisfactory then why is transunion still not fixing this problem? It makes no sense because the status is a positive one so it should not be listed under accounts that are potentially negative.
Consumer complaint received 2021-02-24
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. (AR)

On XX/XX/2021 I sent off 3 letters to Equifax, XXXX  and XXXX  informing them that there were some forcible inaccuracies on my credit report and that I wanted them removed. It has been over 45 days and I have yet to receive even the slightest response. The FCRA states that the bureaus have a specific number of days in which to respond and we are well beyond that. I am considering litigation at this point as these inaccurate violations are abusive. Thank you. Please have them delete these erroneous items from my credit report as the laws state is their responsibility and my right.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (KY)

I had reported Personal Finance Company, now known as Mariner Finance in regards to their handling of a personal loan I had with them. They had agreed that if I paid their offered settlement amount, they would delete ALL negative reporting history and late payments reflecting on those accounts from my credit report. 

I paid the offered settlement amount over the phone after speaking with one of their representatives about what they had offered through their response to my complaint. They agreed that the actions promised would be taken. I made certain to have the rep confirm that the late payments would be deleted from my report right before providing my credit card information to make the settlement payment. She agreed this would happen and so I made the payment. 

Despite all of this, Mariner Finance has lied and did not remove the late history for this account from my credit reports as promised. I have in writing from them where they said this would happen and attempted to dispute this with the credit bureaus and Mariner Finance still refuses to do what they promised to do. Not only that, but they changed the status of the account to a charge-off, after I had paid what they asked. This is completely unethical and horrible treatment of the customer. 

I have attached a copy of their original response to my first complaint that shows where they said they would remove the late payment history.
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (WI)

I had an acct with XXXX XXXX paid my phone off XXXX bill in XXXX lol switched company XXXX gave me a hard time switching my phone over. Well here we are XXXX I am getting harassed by a company called Jefferson capital claiming I owe them they called me over 40 times XX/XX/XXXX through this week Monday I have screen shots of this. I called them I notified XXXX XXXX they keep harassing me its getting annoying I only uploaded a few photos to show you what I mean you can see the times they called and how excessive it is am I the only person they contact or what
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

In XX/XX/XXXX, I applied for a small personal Loan with one main financial. I was going to use my XXXX vehicle as collateral. I was asked to come into the office to sign final papers and I went to the XXXX Maryland office and spoke with XXXX. After signing papers and my title, giving all my copies of social security number and personal information, one main told me I could come and pick up my check within a day or two. Later that day or the next morning, I received a call saying that I needed a co-signer which I didnt understand why.. I told them that I didnt have a co-signer and due to the change, I didnt want the loan. I told XXXX I would be there to pick up my documents. When I went, she wasnt there and no one could find my folder. I have still not received any of my documents, including my car title or any of my personal information that I am not comfortable with floating around. I had to go to MVA and pay for another copy of my title. 
Recently, I needed to sell my vehicle due to more medical bills due to an illness. I spoke with my insurance company to let them know I was selling the car. They ( XXXX XXXX ) informed me there is a lien on my vehicle from One main Financial. I have tried to call the XXXX office three times. I have asked for manager and each time, manager is not in. I have tried to call the corporate number but am not able to get to a person and asked to leave messages that are not returned. Today, XX/XX/XXXX, I spoke with XXXX from one main in XXXX. I again asked for manager and told she wasnt in. I told her what the issue is and I need the lien removed ASAP. I gave her all my information because she said Im not in their system. I told her time is a factor because I am going to loose the person that is buying my car which will be literally devastating financially and medically. She told me she has two people out and will do it when she has time. I again almost begged and she said when she has time but she isnt holding on a line because they have clients to take care of. She proceeded to say anything else?? I said no and thanked her for her time. 
The company comes up as onemain financial, one main financial and/or onemain financial holdings LLC so I am unclear if they are one in the same
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CRESCO CAPITAL INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

XXXX XXXX is currently being reported by Equifax on my credit report. I filed a dispute with all 3 bureaus and sent them a copy of my FTC identity theft report along with the explanation of the fraud account. The account was quickly remove by XXXX and XXXX   but Equifax still continues to report it. The FCRA holds each bureau liable reporting 100 % accurate information. This account is not accurate nor can it be considered valid if it's a result of fraud. Please help me resolve this matter once and for all. I would not want anyone to have to endure such aggravation after dealing with such a tragedy as identity theft.
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I obtained Paypal Credit for the sole purpose of purchasing a relatively expensive event ticket. When I went to complete the purchase, I chose Paypal Credit as my method of payment. The amount of credit Paypal extended to me did not cover the entire transaction. My assumption was it would use all the credit extended to me, and then apply the remaining balance to my bank account. When I spoke to Paypal about the erroneous transaction, they explained i should have been given a chance to review the transaction, and which funds would be used before proceeding forward. I was not given that opportunity. Instead, Paypal used none of the Paypal credit, which again, i chose as the means to pay the transaction, and used my debit card ( i.e. my bank account ) for the entire transaction, moving my checking account balance to a negative {$300.00}, and incurring overdraft charges. When I asked if they would please reverse the transaction, and apply it correctly, they repeatedly refused until I gave up. I am happy to pay for the event, but I wanted to do it in interest-free installments over a 6-month period. Instead, I got a negative checking account balance, and overdraft charges. If I wasn't given the opportunity to review the transaction details, they should not be allowed to arbitrarily remove money from my checking account and then state " sorry, we can't, and won't fix this ''???
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper has purchased my loan that was previously with XXXX. The payment made on XX/XX/2022 for {$3100.00} has not been posted to my account three weeks later. I've spoken with XXXXXXXX XXXX they assure me the payment was made and the funds left my checking account and that is all they can do on their end. Meanwhile repeated calls to Mr. Cooper have resulted in a different story every time and no resolution. XXXX has forwarded their phone to Mr Cooper as it is my understanding Mr. Cooper took over the entire residential loan portfolio from XXXX. At this time I'm left under the impression that Mr. Cooper has stolen {$3100.00} from me. 

I did subsequently send an additional {$2800.00} to keep the loan showing current as I do not trust this company to not harm my credit report. But the {$3100.00} in their pocket and not posted to my account.
Consumer complaint received 2022-08-22
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. (FL)

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( XXXX ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MO)

Sent in paperwork from Department of Education dated XX/XX/year> requesting the status of my student loan discharge. Nothing was heard from MOHELA. MOHELA does not communicate with their customers and puts them on long hold times when they call in. Why is this debt still being reported on my accounts and to credit agencies?
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America report on my credit that I owe their {$210.00}. 
Never got a credit card from major credit company during my life, and now I am trying to get one and I can see that bank of America already report that i had one with {$210.00}. 
I told bank of America multiple times that it's not my account and I already filed a identity thief but they refused to removed this account. 
My address on their report is incorrect.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NC)

I attempted to initiate a wire transfer last week to send payment for an overseas trip. The wire transfer did not go through. In the process, I added the bank through which the funds were to go in error. I asked them to remove that bank during one of my many conversations but they refuse. I requested the wire cancelled. I received notification from the bank that it had been cancelled. They have locked access to my account continually saying it is being investigated for fraud, even though the wire transfer was cancelled. I am filing this complaint because they are holding my funds hostage, will not give me access to them, despite cancellation of the wire.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

I deposited a e-check, XXXX XXXX of XXXX a check from the U.S that was from my taxes into my account it was taking them way to long to verify the check and deposit it into my account, that they sent me emails regarding it would take 5 business days from the deposit date for my check to hit my account I had talked with a live agent through there bank app everyday and they all said the same thing 5 business days which was XX/XX/year> is when my deposit would be posted. I have screenshots of that conversation. They have freezed my account and I can no longer log into my bank account information.
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (FL)

A 1099C is required by law for any charge offs. A certified lawful request for the 1099C and Lawful Debt Validation has been ignored. Yet Affirm its assignee and XXXX is clearly breaking the law. l am requesting sanction and removal of my account from XXXX  immediately.
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I utilized a loan deferral option by wells fargo bank online that was titles " we are here for you ... '', and it basically allowed you to click and defer your loan because of the economic impact of the pandemic. I utilized this for about 6 months and started repayment afterwards. My issue is I was charged around {$2000.00} in interest which is unbelievable. Worse yet, my first 3 payments of around {$700.00} were all put towards that newly acrrued interest and my principal amount was not touched. How is this helping people out during a pandemic when you profit off them? I did not realize that I would pay that much interest and thought Wells fargo was actually trying to help with their " we are here for you ... '' slogan and link online. They should have done a better job explaining just how much you would pay extra on your loan in effect increasing their profits regardless. I would have preferred to continue making payments if I knew I would pay {$2000.00} extra. I would ask for greater transparency as I believe some of their credit card deferments freeze interest payments if I am not mistaken and I thought mine was either the same or minimal interest would be charged. I believe you can not mask an extra profit making mechanism as pandemic help. Helping someone does not usually involved getting more money out of them and is unethical and immoral and if you are doing so you must clarify and highlight in large print your true intentions and just how much the " help '' would really cost you. I am struggling with rent and bills as it is and now my first 3 installment loan payments which I am struggling to make are all extra interest payments. That is just not right. I called customer support on XX/XX/XXXX and after explaining my situation, the customer service rep did not offer any sort of remedy to help me except for stating I have finished paying off the approximate {$2000.00} in extra interest for my 6 month deferment. I believe they should waive the extra interest and put the amount I paid towards my principal and normal interest levels or at the very least reduce the enormous interest amount in the middle of a global pandemic. Thank you for listening.