davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Previously CFPB complaint ID : XXXX Capital One Bank USA NA  stated Our records show that your account charged off on XX/XX/XXXX, XXXXFederal law definition of charge off The writing off of a debt and termination of collection activity without release of personal liability.See 7 CFR 1956.54 And to help you overstand what is a write off. By federal law definition, A write-off means Removing an asset from the books, especially as a loss or expense, while to deduct an item means to subtract it from gross income or adjusted gross income when calculating taxable income. So understand me Capital One Bank USA NA I am aware of your deceptive business practices. You can deny it all you want, thats cool, however, you believe you will be held accountable. You are furnishing to credit reporting agencies {$5700.00} written off which means you filed taxes, double dipping on the account, and did NOT comply with what the Internal Revenue Service required for you to do Capital One, which is provide me with the 1099c form. So guess what Im going to do Capital One Bank? Report you to the IRS since you failed to comply with the law and simple instructions. Any debt over {$600.00} is required a 1099c. Its public information so its no excuse us your ignorance for breaking the law! You closed my account without permissible purpose and that is also a violation of the law, you transferred my private information to an unauthorized 3rd party who was not a witness of our agreement which is another violation of the law! Capital One stated Your account was placed with XXXX XXXX for collections again, who was not a witness to our agreement, which is another violation of law.. Capital One are you insane? I have a right to privacy as a consumer. Do you understand how much trouble you are in? We can do this the right way or the hard way.. Prove to me where I gave Capital One written instructions, and permission to transfer my private information, to an unauthorized 3rd party who was not a witness, can you prove it to me please! Im reporting you to every agency I can think of. Im demanding to get an audit trail including your account ledger. I refuse to argue and go back and forth with you and you dont give me what I want, which is to reopen my account, because you didnt have any permission to close it without my consent in the first place that is 100 % illegal of Capital One. Capital One Decreased my credit limit from {$15000.00} to {$5000.00} WITHOUT my consent nor authorization is 100 % illegal. Do you know you can go to jail for authorizing another person account who has security interest without consent? See15USC 1602 ( p ) unauthorized use. 
I am demanding you to reopen my account, and now extend my credit limits to {$25000.00}. You will be held accountable for everything ALL the things you did to me, ruined my financial reputation and all the pain and suffering you have caused me and my family Capital One!
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (FL)

I just recently completed an background check for new employment, The background came back, and I saw both a Name and address that I isnt mine ; and an address date that is incorrect. I did the background check on XX/XX/2018. 
Can someone please help me with this situation.XXXX XXXX is the company that I did the background check for in order to gain employment.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (PA)

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that Mercantile sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Documentation bearing my signature where I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Consumer complaint received 2022-05-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX PXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-11-18
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. (TN)

XXXX, Transunion is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Unbeknownst to me my original mortgage company, XXXX, turned servicing of my loan over to " Myloancare.com During the transition the last half property taxes were not paid. 
The new loan company apparently paid them and assumed that the tax rate had doubled and added more than 200 dollars per month to my payment. The taxes have not changed. 
I sent them copies of the XXXX County Ohio tax records that show the correct payment but I've had no response other than from their collection department. I have paid the actual amount of the payment due and told them, via email, that I would reimburse them for the taxes they paid or assume the escrow account on my own but no response. On my initial call I asked if I would be reimbursed the overpayment once they figured out their error and they said no. Now the only contact I have from them is threatening to foreclose on my property.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (IL)

unauthorized ; inaccurate information ; inquiries and collection INQUIRIESXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I opened an installment loan with XXXX XXXX. On XX/XX/XXXX XXXX company pulled a hard inquiry of my credit report. I did not authorize this hard inquiry.
Consumer complaint received 2018-09-25
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. (SC)

Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Collections, Inc (CO)

I left an apartment complex and gave my 30 day notice but they refused to accept it because it was technically 29 days but their office was closed the previous 2 days??? Now i have a collection on my report for the rent plus a toy they found in the septic system that wasn't mine!! I've tried working it out with them but they refuse to remove the collection.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX is a collection agency claiming that I owe {$670.00} from a XXXX XXXX credit card. On XX/XX/2018 I mailed a letter to dispute the claim, requesting the debt be validated. The letter was delivered on XX/XX/2018 with them responding on XX/XX/2018 not validating the debt. My credit report was not marked disputed on XX/XX/2018. I sent another letter delivered on XX/XX/2018. I have tried to resolve this issue with all 3 credit reporting agencies. They continue to verify the debt without any validation.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc (FL)

Hello, On XX/XX/XXXX I received my loan estimate and approval from Millenial Home Lending, Inc XXXX XXXX XXXX XXXX, CAXXXXXXXX 
Our closing date for my new home purchase was set for XX/XX/XXXX. 
They told me that my income and credit were not an issue for the loan amount that I was borrowing, {$230000.00}. 
We received a copy of the appraisal on XX/XX/XXXX, showing the property value at {$250000.00} and our purchase price was {$240000.00}. 
Our problems started well into XXXX, when the lender realized that my husband owns a home just 2 miles from the one I am buying for myself and my elderly mother to live in. I explained the reason that I am buying a house separate from my husband 's. 
I still had ownership of my original house from before we married, and my nephew lives there. They had a problem with that, so we provided the documentation to show that my nephew is purchasing the house through payments for {$25000.00} ( roughly 20 % of it's actual value ), and I am not collecting houses for investments. I am purchasing another house so I don't have to put my mother in a nursing home when she needs more help than I can provide with weekly visits. 
THEN they started wanting my mother 's financial information. She wasn't on the application and had nothing to do with the purchase, but they pushed for me to supply them with her financial information, or they would need to submit the loan as an investment property and require 15 % down. 
I have two BIG issues with this : As a working adult female with my own money and credit, why can't I buy a house that I want to live in because they assume I want to use it for investing when I have no history of any previous house sales or renting? 
Also, with the aging population and so many families trying to keep loved ones out of nursing homes, why are they able to make it so difficult to help a family member have a home with or near their caregivers? How is this legal??
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I was approved with Amerisave for a cash out conventional mortgage. I knew there would be title issues and conveyed that at time of application. The loan officer, XXXX XXXX was rude and arrogant. He made me try to get the mortgage payoff. I have Worked in the mortgage industry for 30 years. I have never asked my borrower to get the payoff! Theres not a title company around that would accept a payoff directly from the borrower! Claimed hed have good information ( for the title issue ) prior to my appraisal being done so that so I wouldnt have to waste money- He was not able to answer any of my questions. His replies would be are you going to send what we need or not. Or I don't Have to tell you every single thing thats going on. I asked Him to clarify and hed reply I dont t know what youre confused about. Or I dont know, thats titles job. It was The worst experience. Today I cancelled my application because I could not deal with my loan officer being so rude and arrogant. Clearly incompetent. Worst experience!
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (CA)

I got off the phone with both XXXX and Early Warning. They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had XXXX student loans with XXXX XXXX XXXX that were charged-off and sold to an unscrupulous debt collector ; XXXX XXXX XXXX, XXXX based in XXXX XXXX, SC. This debt buyer has illegally added over $ XXXX in interest/fees to the loan, which I don't think is legal since the loan had already been charged off by XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has stated the loan balance to be in excess of $ XXXX while BofA charged the loans off for about $ XXXX. I believe that my original loan agreement doesn't allow for the fees/interest that they are attempting to add to the loan through their aggressive attorney, XXXX XXXX XXXX. Further, I've learned that XXXX XXXX XXXX, XXXX is operated/owned by the same individuals at XXXX and XXXX, which is who XXXX   XXXX XXXX used as their collection agency prior to selling the loan to XXXX XXXX XXXX, XXXX - a major conflict of interest.
Consumer complaint received 2018-09-24
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

ONEMAIN IS STILL PULLING PROMO INQUIRIES FROM XXXX/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.