davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One, is reporting inaccuracies, amounts and now False Representation of the debt, on a closed/charge off account. I already have a CFPB complaint on file. However in new light, I've been receiving excessive phone calls. My family members and friends from coast to coast, have received calls from the same company. I received messages that it was the SBA, which I was under the impression it was the Government agency for Small Business Association. I called the representative Mrs. M ... who identified herself as SBA Agent. After a moment on the phone she then identified herself as a investigator that was hired by Capital One to find me. She stated that she's been trying to locate me for the debt I owe to Capital One. I don't know this company, I've NEVER heard of them nor do I owe them anything. Capital One has never mentioned them on the phone, by mail or my credit file. 

INACCURACIES REPORTING : ALL 3 BUREAUS different balances different closed/charge off dates different date of last payments dates different account numbers posting past due balance posting late payments ( monthly ) increasing balance ( monthly ) activity after closed dates, today also XX/XX/2020 FCRA VIOLATIONS
Consumer complaint received 2021-12-09
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (WA)

Guild Mortgage in XXXX XXXX did not refund the balance of my escrow account within 20 days. Final payout on XX/XX/XXXX. As of XXXX, refund has not been received. I believe that's a violation of RESPA. 

12 CFR Part 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Has been 24 days as of XX/XX/XXXX.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

First and foremost I want to say that Capital One Auto Finance is a great company and it has been a pleasure doing business with them for many years, however they have been reporting inaccurate derogatory information to my credit file which is damaging to my credit score and reputation. I had an auto loan with Capital One Auto Finance that shows inaccurate late payments. I don't recall ever paying this account after the due date. I have asked Capital One Auto Finance to correct this information but they state that they confirmed that the late payments are correct. They have not supplied me with any documents, such as signed and dated cashed checks or any other physical documentation containing my signature showing when payment was due, when payment was made and when payment posted. Capital One Auto Finance is also out of compliance with the Federal Fair Credit Reporting Act specifically in that they failed in their duty to notify me regarding their reporting negative information with regards to FCRA 623 ( a ) ( 7 ) ( A ) ( i ) and also failing to notify me within the given time frame with regards to FCRA 623 ( a ) ( 7 ) ( B ) ( i ). Capital One Auto Finance has also not conducted a " reasonable investigation '' that would remove any doubt of the accuracy of this information they are reporting to the credit bureaus as outlined in the FCRA 623 ( a ) ( 1 ) ( A ). A copy of correspondence from Capital One Auto Finance to me is attached to this complaint. At this time, I would like Capital One Auto Finance to update this account to a Paid/Never Late status on my credit reports as they can not verify that this information is accurate.
Consumer complaint received 2021-06-02
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. (IL)

I started contacting Transunion XX/XX/2019. I have provided proof from the US Dept of education and letters from the creditor as well and they still refuse to correct the information. I have two student loans with the US dept of education 1 for {$22000.00} and 2 for {$21000.00}. Transunion is reporting 3 loans 1. {$22000.00} 2. {$21000.00} 3. $ {$43000.00}. I have never had a loan for {$43000.00}. So they have been overstating my loans for over two years. They also list them as included in chapter 7 bankruptcy. I sent them letter directly from the lender stating that student loans can not be included in bankruptcy and that mine are not included in the bankruptcy. yet they refuse to verify or correct the inaccurate information. This has made my credit score lower and I have to pay higher percent on every type of credit i get just because of them.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I got notice my credit score dropped. Looking at my report this collection company posted 2 different remarks on my report. I notice the original debtor is a medical facility that I have never been at. Furthermore, I have always had insurance and there would not be a medical debt on my credit report. This is not my debt.
Consumer complaint received 2021-12-09
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX  on behalf of XXXX, XXXX, XXXX  XXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a Capital One. I haven't been able to review the account history to know if it was mine. I had a capital one card in XXXX. I'm told that I was sued by Capital One and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from XXXX  to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX we entered into a construction loan with Wells Fargo which was converted into a conventional mortgage, at the end of the construction phase, also with Wells Fargo. We believe on XX/XX/XXXX, when we enter into a Conventional mortgage, Wells Fargo Loan Manager, XXXX XXXX, over charged us {$13000.00} in settlement charges on our home mortgage. We believe XXXX XXXX took advantage of us and did not explain and failed to disclose all of the fees properly. She did not give us ample time before closing to make a proper decision. We did not have enough time to switch lenders. The following fees, we believe were excessive ; Return to Float Fee ( {$4100.00} ), Rate Lock Extension ( {$4200.00} ), Loan Origination Fee ( {$4100.00} ), endorsement by XXXX XXXX XXXX XXXX  ( {$1100.00} ). 

On XX/XX/XXXX we attempted to refinance our existing mortgage with a lower interest rate mortgage with Wells Fargo. We again dealt with Wells Fargo Loan Manager XXXX XXXX who attempted to charge us 3/8 of point on a {$570000.00} mortgage, including another {$1200.00} for an appraisal fee. The reasoning she gave us for the 3/8 of a point cost was because our home did not appraise for {$990000.00}. On XX/XX/XXXX Wells Fargo had our home appraised. The home appraised for {$920000.00} on XX/XX/XXXX, but the e-mail Ms.Torres set to me on XX/XX/XXXX about loan options, clearly stated " **These rates are based on assumption of a credit score of XXXX, and a value of XXXX obtained as an estimate from Zillow ( we need a minimum of value of {$810000.00} so we should have no problems with value of the home ). *These rates are for today right now only, we get new rates every day and can have rates worsening and/or improvements throughout the day that we would be subject to. 
On XX/XX/XXXX we decide to refinance our mortgage with XXXX XXXX XXXX. On XX/XX/XXXX XXXX had our home appraised and it was appraised for {>= $1,000,000}, well above the {$920000.00} Wells Fargo appraised it for and above the {$990000.00} XXXX XXXX said we needed to be appraised at. This appraisal happened about a month later, and it increased {$270000.00}. We believe this proves Wells Fargo 's and their Loan Manager XXXX XXXX ' deceptive type behavior and practices. Taking advantage of customers is an unacceptable. Here are the fee Chase charged which were fair and explained correctly and not disclosed at the last minute : Origination Fee ( {$680.00} ), Charge for a specific interest rate ( {$700.00} ), Appraisal Fee ( {$800.00} ), Credit Report ( {$10.00} ), Flood Certification ( {$11.00} ), Title Service ( {$1100.00} ) for a total of {$3300.00}. A lot more acceptable than the {$13000.00} Wells Fargo charged us. To be exact {$10000.00} more acceptable.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Company reporting violations to my credit report. Please see the violations below. 

Account Name : XXXX XXXX. Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments. 

Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting. 

Violation Reported : two-year payment history reporting nothing for XXXX, Experian reports as CO, and XXXX  reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Consumer complaint received 2018-05-02
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. (LA)

I submitted my complaint of XX/XX/XXXX and received a response that all permissible inquiries, shall remain on the credit report for two years. These are not permissible, " I have not applied for any account with the companies listed below '' These are not authorized hard inquiries. 

Never applied for and I never authorized, to have my credit pulled. Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. Factual Data XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX   XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-02-02
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. (TX)

I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2018-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

XX/XX/2018 XXXX : I owe no monies to XXXX City of XXXX or your collection agency and I have no intention of paying {$1.00}. In fact, the hospital owes me {$300.00}. 
I am XXXX I am Medicare I live in XXXX XXXX Housing I am certified XXXX by the State of Texas I live on Social Security Income. 
I have no assets I own XXXX, XXXX in Credit Card Debt. 

The amount in question of {$520.00} is a Medicare Bad Debt reimbursable to the Hospital as a claim to the Federal Government on their annual Medicare Cost Report that they file with the Medicare program. The hospital has an XXXX policy and is only required to make reasonable collection efforts per Medicare Law as explained in the Federal Regulations as explained in the Medicare Reimbursement Manual which I have attached. The Hospital and your firm are forbidden by Law to harm a Medicare recipient by turning an unpaid account over to a Collection Agency who in turns reports the amount to Credit Bureau which hinders a Medicare recipient from obtaining housing due to a delinquency on his credit report. I can not be harmed financially when I am unable to pay. 
Since I am unable to pay, you are required by Federal Law to  return the account back to the hospital. Further collection effort has been exhausted by law and you and the hospital are breaking Federal Law by damaging me in any way from obtaining housing by reporting the amount to any Credit Bureau. 

I have attached the appropriate section of the Provider Reimbursement Manual governing the reimbursement of Medicare Bad Debts by the Hospital. And because your company and the hospital are fully knowledgeable and aware of this Federal Policy about the Federal Law regarding a Hospital claim for Federal Reimbursement for a Bad Debt related to a Medicare recipients Deductible and Coinsurance, you and the hospital are in violation of Federal Law and are now being reported to the Consumer Finance Protection Bureau. 

Furthermore, the hospital extorted {$300.00} from me before my operation when they knew I was XXXX. Therefore, the Hospital can now be sued in Small Claims Court in XXXX County, Texas which I intend to do along with a claim for XXXX my XXXX XXXX XXXX in an operation at their facility.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

more than 4 months i received collection form XX/XX/XXXX regarding my previous renter with collector company named Hunter Warfield for amount of {$1300.00} but i have 2 judgements against this i called XX/XX/XXXX and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account
Consumer complaint received 2018-03-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY (CA)

I received a letter from XXXX XXXX, XXXX sent to my parents home stating I have been served in regards to a lawsuit from Wells Fargo Bank, NA. I was never served! XXXX XXXX, XXXX. XXXX XXXX # XXXX XXXX stated in my letter that I was served. I have only received the letter she sent to the court. The lawsuit is against me and other people who are supposed to be heirs to a XXXX XXXX XXXX who is deceased. It is regarding a foreclosure on her property in XXXX, Florida. I am being sued to pay for her debt. I am not an heir to this person, I have no idea who this person is and I did not sign a promissory note. I live in California and this is in Florida. I do not know how my name is involved in this. The case number is XXXX in the Circuit Court of the Fourth Judicial Circuit in XXXX XXXX Florida. XXXX was fraudulent when stating I was served. I can not believe an Attorney would lie in a court document. I do not know how I am involved in this case as all I have is the copy of the letter she filed with the court and through my conversation with XXXX XXXX XXXX XXXX # XXXX ), who also works for XXXX XXXX, XXXX. I contacted Wells Fargo Foreclosure Department to find out why they are suing me when I've never been a customer of WFB. They then transferred me to XXXX XXXX at XXXX XXXX, XXXX.
Consumer complaint received 2021-06-02
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. (PA)

Hello All, This complaint concerns the three Credit Bureaus as XXXX XXXX and Experian. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, XXXX XXXX
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

I owe them XXXX, I have called the entire month of XX/XX/XXXX, I was lied too about a refi option and then I was lied to again after a rep told me this amount was out on a lien against the house to be paid back when i sell or refi and that was a lie. I can not get a single rep to help me with my issue. I just want to get current with my loan so I can get rid of this company
Consumer complaint received 2023-01-19
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.