davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I have a completed full appraisal less than 120 days old that was ordered by another lender that I asked to be transferred to my new loan application. In the initial consult with the new lender I was told the appraisal i had could be used. A week or so later an appraiser contacted me to schedule an appointment. I advised him I was using an appraisal that hadn't expired yet, and he said Quicken told him i couldn't use that appraisal. However, no one from Quicken had advised me of this. After several attempts I finally reached my loan officer on XX/XX/XXXX who told me he wasn't sure why my current appraisal couldn't be transferred from XXXX and connected me with another representative that then said it could be transferred and would contact loanDepot to make the request. 

I have yet to hear back from the rep that said they were requesting the transfer or my loan officer, and the appraiser continues to contact me to schedule an appointment, stating that Quicken told him on the XXXX that I still could not transfer my appraisal. 

With no return calls or email I reached out to Quicken today, XX/XX/2020, via their chat service and had that rep tell me that my appraisal could not be transferred because they only transfer VA or FHA loans. I asked why that is because I am not aware of any Fannie Mae or XXXX XXXX guidelines restricting appraisal transfers for conventional loans whether they're cash out or not, so accepting a transferred appraisal would not make my loan unsellable, which is commonly why lenders issue certain guidelines. The representative provided no reasoning or knowledge of the basis of the company guideline, nor would provide Office of the President contact information for me to investigate at a higher level. 

I am now having to pay the extra expense for a brand new appraisal after I already paid for one that has not yet expired through a different lender. This " guideline '' of Quicken 's makes no sense from a customer service prospective, especially if they theoretically aren't benefitting from the appraisal order itself. Supposedly it's something commissioned completely non-biasedly and not of any cost to the company because the customer pays for it. Why force a customer to pay for something that's already been done validly ahead of time unless they're getting some sort of unknown benefit themselves?
Consumer complaint received 2022-05-18
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 a account without my written instructions
Consumer complaint received 2020-05-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I received a credit report from XXXX and transunion stating verified of inaccurate accounts still being reported on my file. I received a summary of credit scores from XXXX. 
They all failed to send me a copy of a signed contract I have requested the have violated my rights as a consumer. 
I am asking it be removed from my credit file
Consumer complaint received 2020-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2022-12-07
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: CB1, Inc. (CO)

I submitted XXXX and the CFPB closed it immediately without even investigating this. It was marked as a duplicate .... which is NOT. That was the first time I've submitted a complaint regarding the following company. SO PLEASE WHAT IS REQUIRED BY LAW and investigate the following information. 


On XX/XX/22 I sent a letter to CBO Collections to valid a collection account they placed on my credit report. It is now XXXX and they have yet to reply. They can not validate this alleged debt and it needs to be removed from my credit report.
Consumer complaint received 2020-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

On XX/XX/XXXX a representative from Bayview Loan Servicing called me and asked if I wanted another 90 day forbearance added to the one that I had and I said yes and she stated that a letter to confirm would be sent under the Cares Act.As of XX/XX/XXXX I have never received such letter and I called and talked with someone there I believe there name was XXXX and she said that she could not find anything and that this law did not apply to my account just like the XXXX XXXX has no clue that when a property in XXXX County is titled in Joint Tenancy that you do not need to probate they are breaking Federal Law and this seems to happen all the time. If you read Colorado Law since the Joint tenancy gives you the right to survivorship and I guess Bayview is to XXXX  that being the XXXX XXXX XXXX my father and myself are both the owners which the lawyers will point out.
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2020-05-23
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.
Consumer complaint received 2022-10-21
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXXXXXX MONDAY-FRIDAY  XXXX TO XXXX PST XX/XX/XXXXXXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.

In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time.

A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime.

That references the unit in your name.

A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.
Consumer complaint received 2022-05-18
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. (CA)

I disputed this account with XXXX, TransUnion, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an account with whom they say the original creditor is or a similar dollar amount of {$600.00} on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

Both XXXX and TransUnion verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.
Consumer complaint received 2022-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (IA)

I have a dental debt that have been referred over to Professional Finance Company Inc. - I have filed a complaint to dispute the debt with the Iowa XXXX XXXX and they can take up to six months to complete the investigation. The collections agency said the will be reporting to credit agencies in XXXX which doesn't give enough time to resolve the dispute. I do not want to affect my credit but also do not want to pay and that would be acknowledging the debt. The account number is XXXX. How do I make sure this doesn't get reported to credit score agencies?
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My capital one XXXX  credit card available funds were put on hold until further notice, because I made a payment with a different debt card that capital one didnt notice, so Im unable to pay my credit card balance completely off which will result in my credit score dropping.
Consumer complaint received 2020-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (OH)

Company was gracious and understanding, in the beginning. Called to inquire about payment deferment due to COVID-19. They claimed they extended my time by a month, which was really two weeks, from the previous payment date. When I called in to see if they would extend deferment because the Governor of Ohio extended the mandatory closure of the state by 30 days, they were not willing to help at all. They implemented no policy for COVID-19 and used their standard deferment policy, which is after one deferment is given, 6 months is required before you can have another one, all while still reporting to the credit bureau. Yet they have a propaganda campaign of " We're Here To Help '' posted all over their website. The business practices of this company are beyond questionable, the ethics are non-existent. I would not recommend this company to anybody due to their lack of empathy with the ongoing pandemic, and lack of effort to do anything to help the consumer. I will be refinancing my loan through another lender and cancelling any contracts with anybody affiliated with this company, ( i.e. XXXX )
Consumer complaint received 2022-10-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

My complaint is with freedom mortgage. Loan number XXXX. My sister and I are trying to come out of forbearance due to covid. This process began last XXXX. My sister lives in another state ( NV ) I live in Massachusetts. In XXXX Freedom mortgage sent us a renewed payment amount for a partial claim forbearance plan which was {$400.00} less than our current payment. We were very excited. We filled out all the necessary financial info on their website. It was accepted and they sent us the loan modification packets to be notarized. Even armed with the knowledge that 2 different pamphlets would need to be notorized ( one for my sister in NV and one for me in MA ) they continually sent both packets to me. In the interim, the offers were deemed void because they became date obsolete. No less that 75 phone calls with Freedom have been made and received since last XXXX. They then sent a second set of packets to be notorized to both my sister and I to be notorized on the exact same date in 2 different states. Then submit them. We did that. The notary company that Freedom contracted out to come to my home showed up. We went through the process, she then left with my packet secure in a XXXX XXXX overnight envelope. Freedom claims they received my sisters but not mine. Again, the new offer lapsed because of the time limit. In XXXX, we were put through the process again and a much higher payment was now offered. {$1700.00}. I had my packet notarized and they received it. It was rejected on the basis that only one of us signed the packet even though they told me my sisters portion was on file and accepted.. Again, we reside in different states and the company is fully aware we can not be in the same physical location to both notarize a single packet. This entire time I have been making my payments. One month ago, they sent another packet. This time my payment on the new offer has ballooned to {$2100.00} a month. This payment is now larger that pre-covid and untenable for me financially. I am completely lost. They are starting pre-foreclosure with me now. Im asking for them to honor the first offer which is doable. I have only been able to speak with the same representative one time in at least 75 calls.. They say they are only loan servicers and not decision makers. Please help me. I dont know where to turn. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (CA)

I have several online accounts because I simply dont want to pay ridiculous fees. I use them for various purposes and try not to put all my money in one place. I also purchase a lot things using XXXX XXXX. I was laid off on XX/XX/2020 due to Covid19 impacting the hotel business. But quickly took the opportunity to be rehired again on XXXX XXXX to be laid off again on XX/XX/2020. I decided to consolidate all my accounts into one for better management as I need to see my entire savings in one place. I transferred amounts from XXXX XXXX and the other 2 bank accounts to Simple. Everything was good until I started to spend the money. Without warning on Friday, XX/XX/2020 at XXXX I received a message from support saying my account is in the process of closing and basically I have no access to my balance. After its closed ( which I know takes several business days ) theyll mail me a check which can take another 10 days. I am on unemployment now but my first payment is in 2 weeks! Contacting me 9 minutes before they close for the long Memorial Day weekend and blocking my funds is inhumane and in my opinion cowardly. Im not disputing or questioning why my account is being closed because they hide behind the fact that they can close accounts as they see fit and bare no responsibility for inconveniences caused by this closure. I have {$200.00} on me and rent is coming up. Support has ignored my request to access some of my funds for bills and living expenses and I can wait for the check later on. They refused. I have no income because of Covid19. My unemployment insurance doesnt start until XX/XX/2020. I have rent, bills and have to eat. And Simple blocked me from my money and does not care. Banks dont need to tell us the reason they are doing certain actions so why do I need to tell you why Im transferring money into Simple account and spending them? This is not my fault and feel like its my problem. I might as well purposely catch Covid19 so I can be put out of my misery. This is not right. Its only {$3700.00} to Simple, small amount. But its my lifeline and Simple just cut the cord. Give me something. If you close my account then close it but youre giving me no options to survive. If you suspect something block the transaction and call me to ask. Dont close it without warning and take your time giving me access to my lifeline because its a small amount and you dont care. I need {$2000.00} for my rent and bills plus Ill eat XXXX XXXX everyday. You accept money so willingly and readily as if its yours. Then when its taken out to be spent you throw a fit by closing my account and blocking me access. Is this how it goes? Amidst a pandemic we are at the mercy of the banks because we need money to survive. Is this where banks play XXXX and determines who suffers?
Consumer complaint received 2020-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Email Not Available ( mailed to address ) Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sent Via Email ( XXXX, XXXX, XXXX ) To whom it may concern : Credence first attempted to collect this paid debt by letter dated XX/XX/XXXX. On XX/XX/XXXX, I responded to their collection notice by sharing a summary of the situation, sharing copies of relevant documents -- bills submitted by XXXX XXXX XXXX XXXX ( XXXX  ) and copies of the checks cashed by XXXX -- for the amount they sought to collect. Credence acknowledged receipt of this information and I never heard back from Credence and considered the matter closed. 

On XX/XX/XXXX, XXXX attempted to collect the paid debt again. 

I attached all information to support everything represented in my complaint. 

I am asking the CFPB to investigate this matter and obtain answers from Credence and XXXX to the following questions : What did Credence do with the information I provided them via my XX/XX/XXXX email that was acknowledged by Credence on XX/XX/XXXX? 
How did XXXX receive my personal medical and financial information and conclude that it had a right to collect a previously paid debt? 
What is Credence and XXXX going to do to prevent future attempts to collect my paid debt? 

I am also asking the CFPB to explain my rights given the harm they have caused me as a result of their abusive consumer collection practices, especially XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MN)

I have taken Balance Transfer from Discover card at different times. I paid of the amounts as and when nearing the completion of promo expiration. Discover is showing still I owe the money on previous transfers, though the total amount i owe is less than the recent transfer, for which they collected the Initial charges. 
Looks like the payment i am making, they are taking off from the recent transfer and not closing the OLD transfer and charging me high. Not seeing similar issues with other Banks i am dealing with XXXX/XXXX XXXX. SO want to bring it to your notice if ther eis any wrong calculation procedure implemented by Discover.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.