davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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. (WA)

I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with XXXX XXXX. As soon as I found out there was a balance on this debt, I started issuing {$100.00} payments to XXXX XXXX in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead XXXX XXXX has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that XXXX update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

My current mortgage company is NewRez. My loan number is XXXX. My current interest rate is 4.875 %. I had been receiving mailings and emails about refinancing the loan at a lower rate. 

I initiated the process in XX/XX/XXXX. I was assigned a mortgage consultant XXXX XXXX XXXX # XXXX. At his request I submitted hundreds if not a thousand pages of financial records. Then when it came to finalizing the refinance Mr. XXXX would not return my calls or emails. I reinitiated the process in XX/XX/XXXX and reached out to NewRez. At that time they assigned a new consultant XXXX XXXX XXXX # XXXX to my refi. I lamented with Mr. XXXX my frustrations with Mr. XXXX and he assured me this time it would go much more smoothly. And for the first 2 days he was quick to respond. Just long enough to get my credit card # and advise that he was going to hold the info on file and would call me before running an appraisal on the property. I advised that due to very lown LTR I wanted to see if there was a waiver for the appraisal requirement. Mr. XXXX advised he would check and get back me. Less than 10 minutes after hanigng up with him i receive a notice that my credit card had been charged {$600.00} for an appraisal I had not authorized. I reached out immediately to MrXXXX XXXX but he would not return my calls. When he finally did, he acknowledged his mistake but stated he would 'make up for it ' by giving me a 1 % discount on the loan costs. I was a bit skeptical about this but wanted to finally complete this refi. I continued to reach out to Mr. XXXX to no avail. I was very frustrated and looked up the management team for New Rez. I first sent an email on XX/XX/XXXX to XXXX XXXX XXXX of the Service Dept summarizing my experience and request for some sort of resolution. When he did not respond I sent similar emails on XX/XX/XXXX to XXXX XXXX XXXX ( CEO ) and XXXX XXXX ( President ) in hopes I could get some response. None came.

After this, Mr. XXXX did call me back and apologized for being out of pocket. I was hoping we would finally finalize this process. Instead he asked me for more paperwork. 
When I asked specifically what paperwork he needed, he stated the last XXXX years business and personal returns. This was paperwork I had sent over on XX/XX/XXXX!. I told him at this point that I was done. I was too frustrated to continue with him or with NewRez. I researched the company on XXXX  ( should have done this before ) and saw numerous complaints of the same problem i was having. They would initiate the loan process and then just fall of the face of the earth. I told Mr. XXXX I wanted the {$600.00} credited back to my account. On XX/XX/XXXX he emailed that it was going tot take a few days. As of today, it has still not been returned.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion unlike the other two credit reporting agencies has a really bad website that's been causing issues for years now. I have to call their support everytime I need to just log in as the website is glitching on the logging in page everytime I try to just lift a freeze or do anything. No issues with the other two again just TransUnion, they need to fix their website asap!
Consumer complaint received 2022-09-21
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. (TX)

In accordance with the Fair Reporting Act XXXX  XXXX CO account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, # XXXX, XXXX consulting account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX account # XXXX, XXXX XXXX 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 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We had contracted with XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX. Their bill is dated XX/XX/2021. Work was not begun until XX/XX/2021. They had to install tile and redo XXXX XXXX that was damaged due to winter storm that caused power to go out and the water too freeze on the top 4-5 inches of the pool. 
What they gave us as a price was for a total of {$8400.00}. This was for XXXX XXXX XXXX XXXX. They charged us {$10000.00}, on an e-mail that I have attached, which we paid by check. Did not catch this difference until researching other issues which they failed to respond to numerous e-mails and then compared their hard copy of their bill and then a separate e-mail they sent us saying what to pay. We did not ask or approve of adding or changing anything more than what was listed on their bill. 
I have submitted a claim to the XXXX XXXX XXXX and they have contacted them several times and XXXX XXXX has not responded to the XXXX. 
XXXX  has now said since they failed to make contact with either them or us they will post our complaint on the XXXX  website. 
Any assistance you could provide in recouping the difference of {$2200.00} would be appreciated. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Veteran
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc. (GA)

THIS COMPANY CALLS ME REPEATEADLY EVERYDAY ALL DAY HAS PUT THE SAME ACCOUNT FLAGS ON MY ACCOUNT MUTIPLE TIMES BRINGING MY CREDIT DOWN TO NOTHING Franklin collection is reporting collection multiple times days away from each other as if its a new collection
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I applied for a home refinance loan on XXXX and have been given a new closing date every week since XX/XX/XXXX. I have been experiencing the following issues with closing this refinance : - lack of communication and responsiveness to escalate my concerns and finalize closing contingencies -duplicate documentation requests - closing date extension with no reason or warning - untimely request for title and appraisal (? reason for closing date extension ) -inconsistent requests from XXXX XXXX XXXX XXXX XXXX and XXXX for company that was shown on XXXX and not needed or significant for loan repayment, last minute transcript requests ) - last minute notification and change in closing date caused late mortgage payment for the month of XXXX ( I asked several times about XXXX payment and response was not given until the closing date was changed to XXXX ) - significant rate increase after lock My request to speak to a manager about the continued extension of the closing date has been ignored. I have asked several times of the loan was pre-approved and what contingencies were left and then given a new disclosure to e-sign with a closing date that would eventually get changed. 

This morning I discovered the closing date was changed AGIAIN to XX/XX/16 ( from XXXX ), similarly I have experienced the same last minute change XXXX times ( with NO communication ) by logging on to the online portal. This last change included an interest rate change from 3.6 % to 4.8 %. 

This is a very deceptive business practice as I have had several financial consequences as a result : - late fee from my mortgage company - missed payoff dates for loans - Higher cc balance that will reflect on my credit report - increased rate after lock and loan commitment closing date of XXXX I have provided all information to satisfaction and the XXXX continues to make NEW requests that delay the closing. If there is an issue I should have been notified so I dont make commitments to close a loan.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roberts Markel Weinberg Butler Hailey PC (TX)

The collection agency, Roberts, Markel, Weinberg, Butler, Hailey ( RMWBH ) XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX ), used unfair practices to collect excessive charges.They did not provide proof of verification. 
RMWBH ignored the statue of limitations. 
They had Charges on their payoff statement dated back to XX/XX/2010. ( See XXV ) RMWBH misrepresented the amount owed. 
I have copies of our invoices of the amount owed. ( See XXW and XXX ).

RMWBH hired people to come to our door Threatening to seize our property. ( See XXO ) Our bank verified that there was no foreclosure on our home.

I called RMWBH many times to dispute this matter. RMWBH staff members would tell me that they do not have the information. They would have someone call me back.

RMWBH continued to delay resolution. And continued to add up their fees.

RMWBH did not verify this debt. I requested a copy of the collection agreement from the XXXX XXXX XXXX  Board and they do not have a contract with RMWBH to collect their debt.

We were deceived and mislead into paying an exorbitant amount of {$8700.00}. 
I have requested a full refund.
Consumer complaint received 2022-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

I buy a car in the process something was not right with the sale..I agree with the financial and dealer to closes..they explained to me the financial language will negative in my side but because is another way to let happened... they refund some money by electronic deposit and final send me Small check to closed in positive the agreement..in the process when my account stared to collapse collection company buy this account. My original financial account closed (, not exist in the records ) and collection NEVER show up untill this XXXX reported in my credit that I owed them..after I denied that I don't owe anything to them they send me to Court I do show I REQUESTED before judge where is the proof my responsibility with them they never did.just because they said the original financial is where they requested this money .I told the judge that account is closed in good terms as agreement between the dealership and financial and me. And then the judge ask for investigation... time past is not investigation made because the account is not exist anymore. Finally I got the Court for trial..is pending for XXXX ... and my question is the evidence to collections present is bunch of page without any information..plus the dates are wrong the amount I pay in the original not mach is Several mistakes and not included that in credit is damage because all my credit decrease drastically for their report account..not even when the original financial collapse my contract was affected the way this people intended to do.. please help me and educated me what's my options to removes this XXXX people of me.i was planing to buy me a house and right on the time my credit was good everything denied because this people set up a debit was not longer in my record.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Hi, My mortgage was transfers to Select Portfolio Servicing in XX/XX/2019 from Mr. XXXX. When my account was served by Mr. XXXX I was the successor in interest and had all rights to this account. Now my account is under SPS, they will not recognize me as successor in interest and are denying my rights. I have been fighting with them since 2019. I sent them the deed to the house which is in my name, copies on my mothers will, and letters from the state naming me executrix of the estate which they rejected. They are demanding I pay the inheritance tax before they can name me as Successor in interest and reinstate all my rights to this account. 

According to CFPB regulations say they have to accept certain proof and treat me accordingly. 

Successor in interest means a person to whom an ownership interest in a property securing a mortgage loan subject to this subpart is transferred from a borrower, provided that the transfer is : ( 1 ) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety ; ( 2 ) A transfer to a relative resulting from the death of a borrower ; ( 3 ) A transfer where the spouse or children of the borrower become an owner of the property ; ( 4 ) A transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property ; or ( 5 ) A transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property. 

Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to this subpart
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (GA)

On I discovered ( ONE ADVANTAGE LLC ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MI)

I closed with Guaranteed Rate on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from Guaranteed Rate, XXXXnc. to Guaranteed Rate, Inc. subserviced by XXXX XXXX. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to Guaranteed Rate, Guaranteed Rate subserviced by XXXX, my Loan Officer, his supervisors, and Ravenswood Title. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.
Consumer complaint received 2021-09-08
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. (AZ)

The Bureaus-XXXX XXXX {$980.00}, XXXX-XXXX  XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX {$13000.00}, XXXX-XXXXXXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}, XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

I rented a car and was double billed. 
On XX/XX/2022 I booked a rental car for my vacation using my XXXX  miles. XXXX miles where deducted from my credit card along with {$190.00} was changed for the taxes etc. 
On XX/XX/XXXX my credit card was changed {$1200.00} for the same rental car. 

XX/XX/2022, I open a case on this problem and emailed them the back up showing the double bill. " XXXX '' XX/XX/XXXX, I received a letter dated XX/XX/2022 that my information was received and was being sent to a dispute specialist. It also mentioned, if there was any additional information to ensure a strongest case, they would reach out to me. Letter attached. 
XX/XX/2022, I received a letter informing me that my clam was declined because they did not receive any documents. 
XX/XX/2022, I reached out to them and faxed, emailed, and mailed them all the back up information. 
XX/XX/2022, I call because I hadn't heard anything from them and the change was still on my bill. They said they received all my information and it was under reviewed by a dispute specialist. 
XX/XX/2022, Received another statement and the change is still on my bill. When I called they said it is still under review but i will be hearing something with in 7-10 business days. 
XX/XX/2022, Called again because still no information and my new statement came in with the changes still on it. Was told I had to call back during regular business hours. 
XX/XX/2022, Called back to get the same answer I received in XXXX. My case is being reviewed by a dispute specialist and I will here back with in 7-10 business days.
Consumer complaint received 2021-07-07
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 (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Capital One XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Virginia XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-02-25
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: CBC Companies, Inc. (GA)

FACTUAL The FACUTAL had reported UNAUTHORIZED Hard inquires in my credit report. This item have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. The UNAUTHORIZED FACTUAL inquiry must immediately be removed from my credit report of all credit bureaus.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In XX/XX/2020, I inquired with my current mortgage company, XXXX/Loancare, about refinancing or dropping the PMI ( {$79.00} per month ) on my current mortgage loan with them. 
XXXX  ordered an independent licensed appraiser, XXXX XXXX XXXX, XXXX, to do an appraisal on my property. This was completed on XX/XX/2020. I currently owe approximately {$210000.00} ( XX/XX/2020 Statement ) on the current mortgage and my house appraised for {$300000.00} on XX/XX/2020. 
I love contacted XXXX  and notified them that it would make more sense for me to keep my current mortgage and use the appraisal to drop the PMI off my current loan.

XXXX   will not use the appraisal they ordered to drop the PMI. I'm being told that I have to pay another {$470.00} for a new appraisal because the initial appraisal they ordered only will apply to a refinance loan. Since the appraisal was not ordered by them for the purpose of dropping my PMI, they will not honor the initial independent appraisal THEY ORDERED for the refinance option. 
This makes absolutely no sense to me at all. They are obviously making it difficult for me to drop my PMI! 
I've spent approximately 10 hours of my time with phone calls to both XXXX and Loancare. Both companies use the same Customer Service contact phone number, XXXX XXXX XXXX XXXX. However, they continue to switch my complaint back and forth to their different " branches '' therefore making it impossible to get either a refund on my Appraisal fee XXXX {$470.00} XXXX or for them to use the appraisal they ordered to drop my PMI and save me almost {$80.00} a month! 
I am currently experiencing XXXX complications and taking care of my elderly mother who is my dependant. The saving of {$80.00} a month from my mortgage payment would help me tremendously with paying my utility bills. 
I have never been late or missed a payment with XXXX  or any other creditor I have, ever! My credit score, according to XXXX XXXX is XXXX with both XXXX  and XXXX  XXXX 
Please make XXXX Loancare, or  whatever company they decide to call themselves ( I've even been forwarded with my complaint to " XXXX??? ) Thank you, XXXX