davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
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. (MI)

I recently check my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account with XXXX XXXX XXXX XXXX XXXX is Not reporting accurately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX is not reporting correctly, open date is NOT reporting correctly, payment status is inaccurate, and this account is NOT ACCURATE. 
This account with XXXX XXXX XXXX XXXX was modified and updated on XX/XX/XXXX. To Paid As Agreed after I disputed it with the President Office with actual creditor. This account payment status has been REINSERTED back to ( Not More Than XXXX Payments Past Due ) on XX/XX/XXXX. See Attached supporting documentations. 
I have received updated alerts indicating this reinstated payment status. Along with information regarding this account open date. This account has a inaccurate open date of XX/XX/XXXX. When in fact this account was opened on XX/XX/XXXX according to my contract with XXXX XXXX XXXX XXXX. As you will see that there is another account that XXXX XXXX XXXX XXXX is reporting with a open date of XX/XX/XXXX. I have attached the actual contract date that shows the open account date. I have attached the investigation credit report that was modified on XX/XX/XXXX. I have attached the credit alert from the account that clearly shows the wrong open date and inaccurate REINSERTED payment status. That was modified and updated 24 days prior. 
I have disputed this account for over 6 months in regards to it reporting. On a wrong open date and every time it is modified. After the investigation on XX/XX/XXXX was completed. It then took 24 days later for the negative inaccurate payment status of Not More Than XXXX Payments Past Due to again reappear. I was told by XXXX XXXX XXXX XXXX president office that XXXX, XXXX, and XXXX late payments. Would be removed, due to their system continued to run on a closed account for XXXX consecutive months. In other words, the account did close on XX/XX/XXXX. XXXX XXXX XXXX XXXX fail to close it out on that date within their system. The system continued to run payments for XXXX, XXXX, and XXXX. Acquiring 30 to 59 days of unnecessary late payments on that account. The creditor recognized that error and I was informed that it was corrected. Yet it has reappeared again after the investigation along with an account. That has a inaccurate open date that is reporting every 30 days. See supporting documentations
Consumer complaint received 2019-12-17
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Activehours (NV)

I have contacted and informed Activehours Inc / Earning several times via their app chat requesting that they withdraw their loan from my XXXX XXXX Checking Account. I have XXXX XXXX XXXX XXXX set up in the app from which transactions may be processed. They took money from my old account, XXXX XXXX, which they should not have had access to, and in doing so caused an overdraft fee. I am requesting that Earnin return the {$50.00} back to XXXX XXXX XXXX  so that I will not be charged an overdraft fee. I am requesting that Earnin take the loan from XXXX XXXX XXXX XXXX XXXX account.
Consumer complaint received 2019-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XX/XX/2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than XXXX  and Experian stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

HARVARD COLLECTION SER accounts # XXXX Balances {$910.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

Nationstar Mortgage, dba Mr Cooper had paid the wrong insurance company for my XXXX mortgage insurance. The correct insurance was eventually paid, but after the refund and adjustment my escrow is now short {$5000.00} and I inquired where the monies over what was paid went. In the 27 days my first inquiry I have not heard from the Mr Cooper company nor have they returned my calls/.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Galaxy Capital Acquisitions, LLC (PA)

on XX/XX/XXXX, this company put a lein on my bank account. AND HAS STOLEN MY WAGES FROM IT TOTALING {$1000.00} through a so called judgement that they said they recieved against me XXXX yrs ago that i have no recollection of being served any court orders to appear. i immediately sent the attorney debt validation letters to validate the alleged Debt. they did not respond with any answers to the validation questions on the letters. tracking XXXX XXXX XXXX XXXX, XXXX, XXXX THEY REFUSE TO RESPOND WITH ANY ANSWERS. 
this alleged judgement NEVER reflected on any of my credit reports after said judgment was ruled against me ON XX/XX/XXXX for a non appearance .since then I have sold the home where the address of the alleged judgement was placed against me 7 years after the alleged judgement was placed against me with no leins showing at settlement. i have also been able to lease, purchase new automobiles with no records of any leins againt me, purchased another home with no leins against me.
Consumer complaint received 2019-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing inaccurate information that is on my credit reports. I started disputing information on XX/XX/2019. Since then I have also sent letters on XXXX XXXX, 2019 and XX/XX/2019. I have not received responses from the bureaus throughout the process other than TransUnion and XXXX  stating they will no longer investigate items on my report. They are clearly receiving my disputes, but not responding. I have included the letters I've sent to the bureaus as proof.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XX/XX/year>, I sent Equifax a certified letter requesting validation of my credit inquiries on my credit report since they are allowing companies to add this information. I then received a letter XX/XX/year> requesting that I send a copy of my ID, SSN card and proof of address. I sent that information on XX/XX/year> certified letter with signature required. Last week I called Equifax to check the status of requesting this information and they told me that I needed to submit a police report since I am disputing my inquires. In the letter I sent to them originally is asking Equifax to provide me the information from the companies that reported an inquiry to my credit. I didnt tell Equifax i was a victim of identity theft. They said thats the only way to get this information.
Consumer complaint received 2022-02-23
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX has violated my rights.

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 an account without my written instructions
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (RI)

I currently have a mortgage with Wells Fargo. I recently applied to refinance the mortgage with another company. The company informed me that Wells Fargo is not reporting my mortgage payments to the credit bureau. I found this very odd and called Wells Fargo to inquire. I had a bankruptcy which was XXXX in XXXX and my mortgage was in the HAMP program from XXXX to XXXX. Since then each time I call Wells Fargo the automated system tells me that my loan is in bankruptcy. For the last 10 years I have asked them why the automated system still thinks my mortgage is in bankruptcy when it was excluded from the bankruptcy. Each time I was told from a Wells Fargo representative that it's because my mortgage was part of the HAMP program. Today ( XX/XX/XXXX ) when I called Wells Fargo and asked why they are not reporting my mortgage payments to the credit bureau, they stated it is because I never reaffirmed the mortgage during the bankruptcy. They also stated, this is something your lawyer should have done and they were not responsible to notify me at all. So for the last 10 years while making my payments on time or early, they reported nothing to the credit bureau nor did they take the time to look into my account when questioning the bankruptcy message I hear on the automated system. I had even worked with their mortgage team a few years back to lock in my interest rate as a part of the HAMP program and not once did anyone mention that none of my payments were being reported. A supervisor XXXX XXXX said it is not their responsibility to inform me or a part of managing the account. She also said their are no controls in place to inform a customer that their payments are not being reported. My mortgage today still has a bankruptcy status and with that status, they shouldn't even be talking to me. Shouldn't this sound an alarm or ring some bell to a customer service representative when I call them at least 6 times a year to ask questions. If they shouldn't have been talking to me, why were they? And if they shouldn't have been speaking with me, shouldn't they have sent me something in writing to correct the issue? Or inform me?? So for the last 10 years Wells Fargo has hurt my credit by mishandling my account and not informing me or the credit bureau of my payments. If I hadn't made the payments or was late, there are processes in place to inform me ; however, no process in place to help manage my account properly. XXXX XXXX said she would open a complaint however, could not provide me a complaint number for a few days ... and I would have to call her back to get the complaint number. Well that's really horrible customer service at it's finest.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL D63764 {$980.00} XX/XX/2019 This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I have been receiving multiple letters from the law offices/collection agency of Linebarger, Goggin, Blair & Sampson , LLC , located XXXX, Texas. These letters state that I am subject to immediate arrest for unpaid violations/citations and other court matter which do not exist. It instructs me to make a payment of almost {$4000.00} to their agency immediately. I have tried contacting there office ( s ), to no effect.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX claimed that I owed them money ( {$830.00} ) back in XXXX, 2017. They said that I was XXXX XXXX with an address located in XXXX, AL. I made several attempts to correct with them, and they said that there was nothing they could do, since the account had been turn over to a collection service. I corrected what incorrect information I could on my credit report. Now, XXXX XXXX XXXX has assumed that debt, and filed it against my credit report. I have received no communications from them, but my credit rating has dropped almost 100 points, and I am trying to get a home mortgage! I have disputed the account through Transunion - again. Neither XXXX nor XXXX XXXX XXXX will acknowledge the error, with each pointing to the other saying they are not responsible. I have never owed XXXX money.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

Date ( s ) : XX/XX/XXXX and XX/XX/XXXX I recently had my Barclays Savings account closed on XX/XX/XXXX without my prior notification which led to a an interest charge of {$120.00} to my XXXX  XXXX credit card linked for auto-withdrawal. I notified Barclays of this issue and they have been unresponsive on why my account was closed on XX/XX/XXXX. I understand they have the right to close my account at any time per the terms and conditions but their timing led to an interest charge that would have not occurred if done earlier in the month or simply two days later. I spoke with Barclays representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she became very testy and angry with me when I requested to speak with a manager. I believe there is negligence on Barclays behalf on closing an account when there is a payment already in process that could incur financial detriment to their consumer.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Grain Technology, Inc. (OK)

I emailed grain technology on XXXX to update my new financial institution account and routing number. I was told no initially, I advised the account is closed and I need to update the records. Again I was told no, finally I told them I will seek legal representation to resolve this and I was then told to give them proof. I submitted the last 60 days of pay stubs that show the last 4 of my bank account, again I was told no. They do not accept pay stubs as proof they asked for bank statements to be emailed to them for proof. I objected due to non secure data transmission. They again said no. I then advised to issue a 1099-c and to close all accounting information and stop any continued damage to my credit report or allow me to verify via plaid with my bank so it is secure. I dont know if this a real company person or if my account and any other PID is being protected.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have multiple hard inquires on my credit report, that I had no knowledge of up until my recent credit review. XX/XX/2024, and the inquires have been on my credit report for over 11 months. This has had a negative effect on my credit which has made it impossible for me to do anything for my family. I have faced many hardships within XXXX which have also had negative effects on my credit and i need it to be resolved.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (UT)

I contacted LVNV funding about XXXX yr ago and told them that this was NOT my credit account. I was told that it would be removed. As far as documentation goes, I only have a collection letter from them and NO other documents. Im not sure who opened this account, all I know is that they lived/lives in XXXX, XXXX Ive never lived in XXXX. Ive lived in XXXX, XXXX when/since/always this account was opened. I DONT know exactly how to get this removed from my credit report. Please advise me. 
Thank you.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I paid off my mortgage on XX/XX/2019. The company said they issued a check on XX/XX/2019. I have called repeatedly to no avail. They said if I want a new check i would have to wait an additional 30 days. According to their website this is not a one time occurrence.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NC)

My current employer, a XXXX XXXX company, has our travel/expense cards through US Bank XXXX I have one card through the bank. Because of this and my experience, I decided to my personal banking over to US Bank. I opened two accounts to start, with small deposit amounts of {$25.00}. Since that time, each and every day my account access becomes unlocked and then locked. I am being told it is a security measure glitch. I have been aplogoized to many times. In the two weeks since I did this, I have been unable to access my funds. Now the funds are small ( Thank God I didn't move my direct deposit over ), it is more about the principle of things. I have spent hours on the phone multiple times to straighten this out with the bank to no avail. 

At this point I simply want to my money back via XXXX today, and some form of good faith compensation. I am tired of this process and I am very frustrated. Can you help? No one else seems to be able to do so.
Consumer complaint received 2018-03-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

We contacted Rocket Mortgage / Quicken Loans regarding the purchase of a new home during this process talking to XXXX XXXX Mortgage Banker Email : XXXX Phone : ( XXXX ) XXXX, ext. XXXX Fax : ( XXXX ) XXXX NMLS # XXXX During the three way teleconference over the phone between my wife, myself, and XXXX we went over the options for our closing and APR 's availabe we agreed on a APR of 4.125 and {$2000.00} from Rocket Mortgage/Quicken and {$3200.00} from the builder to cover all closing costs. We would use the {$1800.00} remaining from the builder to purchase a refrigerator instead of using the entire {$5000.00} from the builder to Rocket Mortgage/Quicken which when discussed with XXXX as an option if we used the entire {$5000.00} that would result in a lower APR of 3.75. When receiving the closing disclosure on XX/XX/XXXX we identifed that Rocket Mortgage/Quicken did not call and discuss with us them taking the entire {$5000.00} towards closing which should have changed our APR from 4.125 to 3.75 which was prevously promised and told to us by XXXX. This is very unprofessional and very deceiving especially when I was being transferred from one duty station to another in a condensed time period. Rocket Mortgage/Quicken had ample time to notify use to get our consent prior to closing of these huge changes which they did not. XXXX 's supervisor XXXX XXXX fixed some of the mistakes on XX/XX/XXXX like the missing {$2000.00} promised to us from XXXX at closing but could not change the APR since this would alter our closing date of XX/XX/XXXX. As a result of their unethical practices we were forced to close on XX/XX/XXXX with an APR that was not promised to us if we gave Rocket Mortgage/Quicken the full {$5000.00} from the builder towards closing. We should have waited but as an XXXX XXXX XXXX with 22 years of service I could not do this to my family of five delaying the closing date that we agreed upon.