davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Hi ex employee and XXXX XXXX XXXX XXXX - how arre yall first? 

1 ) With Mr. Cooper, I filed a bankruptcy when i XXXX retired I did not include my house in the bankruptcy and in the bankruptcy agreement there was no mention of a {$250.00} fee to not include this in the bankruptcy. This is totally unfair and sneaking fees in is a no no. I disputed this them, they denied the dispute. You can call my attorney XXXX XXXX in XXXX, Florida. 

2 ) Mr. Cooper on thier website REQUIRED me to pay the {$250.00} disputed fee BEFORE paying additional principal to eb able to remove my PMI. ILLEGAL. We had to do a workaround with escalations to get the {$70.00} additional principle paid to remove the PMI which is no w removed from my FHA in the amount of {$110.00}. Letter on the way in 7 days for verification. 

3 ) Finally they charge a {$19.00} processing fee to pay over the phone which is non-disputable and excessive to make a payment. this needs ot be looked into in this day and age. 

Thanks you guys and good luck with Mr. Cooper. 

XXXX XXXX Retired CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc. (VA)

I applied for a loan on XX/XX/2024 I was denied by Transform Credit, when I opened the account they said the XXXX XXXX monthly payment was going to be applied to the loan but I wasn't granted a loan and I didn't sign up for credit services. After the loan was denied I asked that my account be deleted they said that takes 2 weeks but charged my card 30 days later when I asked to leave the program on the same day I was denied which was XX/XX/XXXX and I have evidence of that as well.
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Colony Brands, Inc. (NV)

Montgomery wards credit did not clearly disclose that they would have a permanent minimum payment after a credit limit amount is reached and due to this high minimum monthly payment goes toward interest and the principle doesn't seem to be reducing. I haven't purchased anything for almost XXXX years and the principle seems to remain the same and I feel as if I'm being ripped off. I have closed the account and want my payments to reflect a reduction of the principle with my monthly payments particularly since the minimum monthly payment is so high. They just tell me it will be this high until the principle is paid in full. I want to know why more of this high monthly minimum is not paying down the principle when I'm not adding to the principle balance. I have a lot of credit and this is the only credit account that makes me feel like I am being ripped off.
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (SC)

Aargon has been removing and placing this charge on my credit for 3 years now I contacted this agency about 3 months ago and they removed it and have placed it on my credit agian.
Consumer complaint received 2023-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (NC)

I applied for loan and it got approved on XX/XX/19 online with Wells Fargo. They put money in my account. At the end of the month I received a letter stating the amount of XXXX was due in full and was going to be charged off. I contacted several representative and actually went to the bank. They don't know what's going on, I was assigned case numbers. Someone stated account was n bankruptcy it's not I've been discharged and approved for loan. I think something fraudless is going on. I'm thinking they reached their quota for end of month set me up an account and then let it go. It's not right. Wells Fargo owes out alot of money due to this already. This will be hurting my credit. Please help. My payment was due on XX/XX/XXXX but they took portal down, and I shouldn't be making payment to a charger off account they closed with no record of. I have the documents I signed for loan. Not only that they have charged off credit card I use to have they stated debt income ratio but I never used the card but they kept other card open that I swipe alot.
Consumer complaint received 2022-11-06
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. (LA)

The information that is listed below is inaccurate and I did not authorize these items to be reported on my credit report. I've filed an identity theft report with these companies directly via phone as well as sent in handwritten letters to these companies in regard to this issue on my credit report. I also sent in the Identity theft reports filed with the FTC to the companies in regard to the following information. 


Date opened : XX/XX/XXXX XXXX Account : XXXX XXXX : {$270.00} Original Creditor XXXX XXXX XXXX XXXX Account number : XXXX XXXX Date opened : XX/XX/XXXX Original Creditor XXXX XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case.

My rights are being violated and preventing me from purchasing a home for me and my family.

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, XXXX, and Equifax are all reporting inaccurate information causing me financial harm.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (NJ)

Lending Tree is engaging in false advertising of rates. 2.28 % APR, therefore including points. When you put in your contact data, you are then shown only significantly higher offers. The next day, today, I am being deluged with calls at higher rates. False Advertising!!! The should not be able to get away with that!!!
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like you guys to remove these inquiries that was placed fraudulently on my credit report because it is hurting my credit score. 

Acc name : XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX  XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX XXXX inquiry date : XX/XX/XXXX Thanks in advance
Consumer complaint received 2020-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a Capital One 360 Performance Savings account on XXXX XXXX, 2020. 
I applied a promo that promised a {$500.00} bonus is {$50000.00} in funds in kept at the account for 60 days. To ensure the bonus went through, I called a Capital One representative right after to confirm - he promised me that he had applied the bonus to my account. 

On XX/XX/XXXX, the {$50000.00} were transferred by me to this account. 

I called Capital One 60 days after to enquire about the bonus. They said that it might take another 90 days to provide the bonus but the condition that I keep {$50000.00} in the account for 60 days had been fulfilled. 

On XX/XX/XXXX, after over 4 months of keeping the funds at the bank, I withdrew my {$50000.00} given the conditions had been fulfilled. 

Not seeing the bonus again on XX/XX/XXXX, I called Capital One again and the agent told that I just had to wait a few more days and guaranteed the {$500.00} bonus would be applied to my account. 

I still have not received the bonus and Capital One committed blatant fraudulent advertising
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (LA)

I have disputed this debt through XXXX  and they are refusing to remove this debt. I have NO knowledge of this account with XXXX XXXX for {$620.00}. It is a collection through AmsherCollectionServices that has recently been added to my credit report. It needs to be removed because it was definitely not a account of mine. 

It says it was opened XX/XX/2020 and it was reported to my credit report on XXXX/XXXX/2020.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

Shell point mortgage has taken over responsibility of my home loan back in XXXX 2019. My loan in the last 12 years has had many different ownership. I had waited to make payment like I normally have done till XXXX when they said they finally got the information transferred over. It was reported that I owed over {$6800.00}. I started to inquire in XXXX to get this fixed. Back and forth I have been calling them waiting a month to get an update. My statement from Di-tech shows I was current as of XXXX XXXX, 2019. 

I have been back and forth with trying to get them to fix my account as I am not disputing the total owed on the loan. The amount owed is accurate. I am sure if there was a schedule for someone to look into would find the schedule accurate as well. 

I am submitting my statement showing I am current as of XXXX XXXX, 2019. I have already showed the payment history to not be accurate as the statements Shellpoint has shown they have received the payments but refuse to add them into the payments history. History of this complaint can be seen on complaint XXXX. 

I guess my last part of my complaint was never answered. I am submitting a financial statement showing the account is current and would like to know why Shellpoint is ignoring the statements? Why is there only the convenience to only take part of the information from the statements, such as documenting the proof of payments, but not the total owing? Why when I showed proof of payments, Shellpoint used a statement to show there is documentation for the payments, but not updated there payment history to also reflect the payments? 

I am submitting a statement showing I am current as of XXXX XXXX, 2019. My last response from Shellpoint mortgage company was responded by mortgage statements and was closed. I am not disputing the principle owed on the loan, as this has been followed and is accurate. I am disputing Shellpoint stating I am missing payments.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXXXXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX {$900.00} XXXX   XXXX {$490.00} XXXX XXXX {$150.00}
Consumer complaint received 2020-09-30
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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (LA)

I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX college..alot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back XXXX  was a XXXX. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
Regions bank account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX bank account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
Consumer complaint received 2020-09-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX XXXXalot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back father was a cop. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
XXXX  XXXX  account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX XXXX  account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (AL)

I have been called repeatedly since XXXX of 2020 about some classes they claim I ordered but I never ordered them, never received them, and Im not even sure what they are for. My credit is ruined from this and I didnt even do anything wrong! I did not share my personal information. I dont know how someone couldve done this. In the files attached all of the calls labeled unknown are repeated harassment from this company. I blocked one of the numbers and then another started calling me.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AK)

In XXXX of XXXX I went into my local Wells Fargo Branch to separate all banking with my ex-husband. We had a personal checking account, a business checking account, a business line of credit and a long term business loan. The only account that was supposed to remain ( as a joint account ) was the long term business loan that I was a co-borrower on. 

The the line of credit associated with this business was supposed to be closed. The balance on the line of credit was XXXX at that time. When I followed up a month or two later, the banker told me that the only loan that I was associated with was the long term loan. 

At some point in XXXX, my ex-husband drew on the line of credit. This is after the account was supposed to have been closed. I had no knowledge of this until I received a demand letter on XX/XX/XXXX from Wells Fargo stating that I was a co-borrower on the line of credit in the amount of {$34000.00} and liable for the balance ( which was past due and in default ). I have tried many many times to get more information and bank statements from Wells Fargo and no one has been willing to provide me with any.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-09-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmart, LLC (CA)

Lendmart is threatening to take me to court, via emails and calls. The debt was originated in 2017 and I have made every attempt to work with a debt consultation agency in writing. I have worked with debt resolutions center regarding this account and payments were made to Lendmart via XXXX  XXXX  debt resolution company. I am no longer able to continue my account with XXXX It and Lendmart continues to threaten me via email. They have said they will contact my employer and garnish my wages, I am a XXXX  and I only work part time due to COVID 19. My hours have been reduced due to the pandemic and I am severely affected financially. I am on assistance from the HERO act and I can barely afford my bills. Lendmart states they have sent my account to collections but it does not appear on my credit reports nor do they use an outside party to send their emails. They still own my account and are being dishonest about having the account go to collections to a third party. 

I am providing a copy of their correspondence with me below : " If you do not do one of the three things listed below within fifteen ( 15 ) days of the date of the mailing of this notice or of its service by the court, we will go to court, unless we are otherwise precluded by law from doing so, and ask that your employer be ordered to withhold money from your earnings until the judgment is paid in full or, if applicable, is paid to a certain extent and to pay the withheld money to the court in satisfaction of your debt. This is called garnishment of personal earnings. It is to your advantage to avoid garnishment of personal earnings because the placing of the extra burden on your employer possibly could cause you to lose your job.

YOU CAN AVOID THE GARNISHMENT BY DOING ONE OF THESE THREE THINGS WITHIN THE FIFTEEN ( 15 ) DAY PERIOD ( 1 ) Pay to us the amount due ; ( 2 ) Avail our 50 % settlement offer ( 3 ) Via Debit card There may not be enough time to set up an agreement for debt scheduling in order to avoid a  garnishment of your wages based upon this demand for payment, but entering into an agreement for debt scheduling might protect you from future garnishments of your wages. Under an agreement for debt scheduling, you will have to regularly pay a portion of your income to the service until the debts subject to the agreement are paid off. This portion of your income will be paid by the service to your creditors who are owed debts subject to the agreement. This can be to your advantage because these creditors can not garnish your wages while you make your payments to the service on time. 

Thanks, XXXX XXXX Account Manager/Collections Phone : ( XXXX ) XXXX Press XXXX  Direct Line : XXXX Fax : XXXX Website : www.lendmart.net ''
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (FL)

I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy??
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX