davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc. (TN)

Sezzle , Inc., a group I am unaware of or what they do, opened an account in my name giving someone a small line of credit. Acct XXXX. Apparently, it became delinquent and I saw it on my XXXX credit report. XXXX contacted the company and Sezzle said the debt is mine. I had two other fraud accounts opened in the approximate same time frame, both of which were closed out. 

I want the account closed and removed for fraud. I have thousands of dollars in credit available to me, all of which are paid on time.. I would not open an account for {$200.00} and not pay. I would simply use my debit card. I have never received an email or bill or anything else on this account. 

They do not answer the phone or respond to email. The phone number on the website is XXXX.
Consumer complaint received 2015-08-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (AZ)

We have wells Fargo credit card we made our payment on about XX/XX/XXXX on XX/XX/XXXX we paid off the credit card with interest now they are wanting over a XXXX dollars in interest after we paid it off with all the interest we were told to pay at the time of payoff
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

I paid Greentree Servicing, LLC XXXX payments in XXXX and XXXX after my loan was up because a rep. with their company told me if I made the payments I would be fine nothing would happen. Then they mailed a paper dated XXXX/XXXX/15 saying I owed a balloon payment owing them {$2400.00} and then they turned around a day later I received a certified letter I signed for on XX/XX/XXXX saying that I owed {$3000.00} and that letter was dated XXXX day later on XXXX/XXXX/2015 so it went up {$570.00} plus a {$5.00} late fee was added into that how I dont know? Then on XXXX at XXXX I spoke with XXXX XXXX and we cam to an agreement settlement that if I paid them {$6100.00} that my account would be paid off in full and I told her I wanted documentation that it would be and she refused to send me anything. So finally XXXX XXXX XXXX sent a letter saying if I sent a certified check by to the XXXX it was paid in full. I asked XXXX XXXX if I could deduct the checks from XXXX & XXXX and he said XXXX XXXX we have had a good relationship so far and if you deduct those amounts from the money or stop payments on any checks we WILL have a problem.Now today XXXX/XXXX/2015 I get a letter in the mail from XXXX XXXX saying my account will be paid in full when I send {$500.00}. I have XXXX payments missing from my account payments and I found XXXX of my check registers and XXXX of the payments was over {$900.00}. How is this company still in business. They said I owed them money because I had late payments but looking at the statement they gave me its all under XXXX days except a couple was XXXX days and most was XXXX days and they can put in willy nilly. They have law suites for holding payments to charge interest. I added the spreadsheet ( because thats all it is ) and the columns dont even add up. If you make an agreement and its in writing how can they turn around and then tell me I owe {$500.00} more. I 'm on XXXX with XXXX kids and they know that. Please help.
Consumer complaint received 2020-06-01
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. (NJ)

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (PA)

XX/XX/20 EXPERIAN contacted XXXX XXXX XXXX ( # XXXX ) and stated I claimed fraudulent activity on the account. to date EXPERIAN has not provided any proof that this occurred but has communicated this FALSE information to XXXX AND XXXX. I have attempted to correct this Egregious for 3 years and due to EXPERIAN 's negligence it has affected my consumer report ( including XXXX & XXXX ) and my fico/vantage scores, I have lost financial opportunities, embarrasment and anxiety/mental health issues.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I have been using chase both checking and savings account for several years. I have recently been a victim of phishing scam where someone posed as a business that was XXXX XXXX and had accesses my account. This happened from XXXX XXXX through withdrawals on debit cards. I also do NOT do any online savings transfers but the scammer got a hold of my information and made movements on my accounts that I was not aware because they showed a bank account screen that was fake. ( I did not know this until I actually went into a bank on XXXX and reported to the banker at the XXXX XXXX Bank on XXXX XXXX XXXX. I did not feel that at any time that Chase protected or helped clients because they should have the teller 's ask about large withdrawals me. " Know your customer Act '' should have been used but at no given time did I feel the bank protected me from this situation. I find myself having to report this to several federal bureaus as suggested from the XXXX after they helped me with who to contact. I also was told that I should submit reports to the FBI. I need Chase to help me with recovery because certainly the online savings that was done as fraud because I did not do this. I need to know what you can do to help. I will also be contacting the consumer fraud department on our local TV station? Often times that seems to help consumers.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (OH)

They called my cell phone, told.me it was recorded and placed me on hold. I hung up. I called them back. They asked me to verify myself and needed my last  4 o f social. I asked what it was concerning and he told me once I verified who I was they would tell me. Said by Federal law had to have  two for ms of verification. I told him to send it to me in writing that was Federal as well, and until then to   XXXX    XXXX   XXXX . I then hung up and called back again. A female not speaking fluent English. Asked for phone number. Gave it to her. Asked if I was   XXXX   XXXX  . I said yes ... that to me i s two forms o f ID. Then asked for last  XXXX  of social. I again refused and asked who she was with. Could not tell me without verification. She then asked for middle initial. I told her "  XXXX  ''. She then said that did n't match and needed me to verify address. I told her she now had three forms of ID. Still refused to tell me who she was with or representing. I then hung up again. Has been added to my reject call list.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : states that i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XX/XX/2022 at around XXXX XXXX Pacific time Bank of America took {$1000.00} from my account. I I am mediately became aware of the situation within minutes of the error made by Bank of America due to the fact of needing the funds for rent. Moments after this happen I immediately contacted the bank in hopes they can spot the air since it was solely in their responsibility and hopes they would take care of me without any problems. That of course did not happen quite as I intended, hence why I am filing the complaint, Bringing this lack of a Concern and service Bank of America gave to me to you guys the professionals obviously to make sure I get my money back up of course but as well as to enlighten you on this negative experience and wrongdoing a Bank of America. I know Im not the only one so I am doing this for all the concerns and hopes that these kind of things wont be so impactful on innocent civilians who are working dollar for dollar just trying to get by. It also does not help that two days prior of this happening I had gotten My tests back for XXXX resulting in a positive test. Unfortunately I had low energy and no desire to try and get through to the customer service line although that is exactly what I had to do I am not happy and I feel like me being individual in the bank being a big corporation I was looked over and not cared about. Ive been out of work for over a week now due to XXXX it will continue to be out of work for the next eight days taking a big toll on my income and my living situation as well unfortunately. I am still sick matter of fact I can not go into a Bank of America in a physical way Due to the obligation I have to fellow citizens XXXX XXXX XXXX XXXX XXXX If I didnt feel This being important or the need to file a complaint I would not even have called the number listed under the XXXX website. Now that I got my voice in my concern and situation above I feel a little bit better about the next couple weeks have something actually happening for me. Again this is about Bank of America stadium that {$1000.00} has been with withdrew from my account at the local branches ATM on XX/XX/2022 where the ATMs that whole day were NOT in service, NOT diapering cash for nobody. It should have been an easy error to navigate and correct since it was their own networks however it did not happen like that. I filed claim and what not but that all takes time and in my situation time is the last thing I would be able to afford for an error from this bank, and making me have to struggle at times like this should not be tolerated.
Consumer complaint received 2015-04-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have contacted the agency Rash Curtis and Associates, XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX regarding an alleged debt of {$46.00} on my credit report. I was seeking verification that the debt was mine, and if it was indeed mine I wanted to pay it. They repeatedly denied my requests to provide any verification that the debt is actually mine, and only asked multiple times if I would like to pay by debit, credit card, etc. I do not believe I owe this debt, but they are neither willing to verify the debt is accurate or remove it from my credit report.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX I reviewed my credit report and noticed this collection reporting inaccurate information on my credit profile which is a violation of my consumer rights. XXXX XXXX XXXX is reporting XXXX  days late payment. 

How is this possible when I've never entered into a payment agreement or contractual agreement with them, furthermore, reporting the payment status as XXXX  days late when by default collections are past due. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IN)

On XXXX XXXX I received a call from someone stating I had been approved for a loan, I told them I did not apply for a loan and they started telling me I filled out an online application in which I did n't, they mentioned that someone had used my social to apply for a loan, I then recieved a call from another loan company regarding a personal loan. Since they had my email address, I went into my email address to look to see if there was anything in my email in regards to a loan, this was on XXXX XXXX. I checked my reports on XXXX and saw a vendor XXXX listed for a hard inquiry, I saw in my email their number and I contacted them and let them know I did not apply for a loan and that they had information with my correct address, wrong birthdate, correct name and email, but wrong place of employement. I looked on XXXX and saw that my profile was listed to include XXXX XXXX XXXX which is not where I work. I did a dispute for the loan but did not see anywhere to put for incorrect reporting for XXXX XXXX XXXX. Last week, I put a 90 day freeze on my credit bureaus for safey. I have contected XXXX XXXX and they asked me to come in and get all the documents and also to call a number to see about getting the hard inquiry removed, I also need XXXX XXXX XXXX to be removed because I work full time for XXXX of XXXX XXXX. In addition to filing this complain, I will also file a police report today.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : states that i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. XXXX
Consumer complaint received 2022-02-07
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. (MD)

I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've repeatedly attempted to have inaccuracies on my report deleted but, no one seems to care so, here we are. Please only communicate with me through CFPB. ALL REPLIES AND CORRESPONDANCE SHOULD BE STRICTLY THROUGH THIS PORTAL AND BY NO OTHER MEANS. IF YOU CONTACT ME BY ANY OTHER MEANS, I WILL CONSIDER IT HARRASMENT. TIA
Consumer complaint received 2015-11-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

In XXXX 2015, I made an arrangement with Navient of XXXX XXXX for a program called The Rate Reduction Plan. Per our agreement, I would successfully make XXXX auto-debited payments from my bank account and this would bring my higher payment which was almost a month past-due since I was making these lower payments, up-to-date. I have proof of XXXX successful payments, and an arrangement for auto-debited payments for XXXX more months. Navient went ahead and reported the pending past due amount to the credit bureau without informing me or my cosigner and thus greatly damaged our credit scores. This is unacceptable as I took proactive responsibility in making payment arrangements with Navient to avoid such actions. I was never informed by any agent or through the automated agreement over the phone, that the pending amount due would be reported. I was only told that once I made these XXXX payments, my account would be made present and start to reflect these new payments. My last successful payment was made on XXXX XXXX, 2015 and my pending amount due prior to arrangements is still saying it is past-due. It is impossible to find an agent who is fully informed on this process and this lack of cohesion reflects poorly on such a large corporation.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (SC)

Ditech will not provide original documents or loan modification documents even though I 've asked for them. The loan has been paid off ( overpaid ). The account was current in XXXX 2016 when I requested this information. 
While researching Ditech notified me that they were ceasing collection activity and did not send me a billing statement for XXXX. They deferred the XXXX and XXXX payments ; however, in the XXXX billing statement, they indicated that I was 2 months past due.
Consumer complaint received 2015-05-19
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Onity Group Inc. (IL)

OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily.
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

I had my student loans discharged through the XXXX program this week and received a letter that it was effective XX/XX/XXXX. However, I believe my XXXX payment was XX/XX/XXXX so the effective date should've been XX/XX/XXXX. 

Relatedly, I was put in Administrative Forbearance for the months of XXXX, XXXX, and XX/XX/XXXX. Prior to being put in forbearance, I had made lump sum payments during this period. I was told I could shift the payments to months after the administrative forbearance. One payment showed as being posted on XX/XX/XXXX and the second payment showed as being posted XX/XX/XXXX.