davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing is a disreputable, inept company that has no business holding a license to service mortgages. According to the CFPB, the COVID-19 CARES Act Relief Options prohibits loan servicers from loan foreclosure for federally backed mortgages for 60-days, and if one experiences financial hardship due to the coronavirus pandemic, we have the RIGHT to request a forbearance up to 180-days, which can be extended by another 180-days. 

Bayview Loan Servicing was contacted in wriitng at least twice weeks ago to begin forebearance effective in XX/XX/2020. NO ADDITIONAL DOCUMENTATION IS REQUIRED TO QUALIFY OTHER THAN A CLAIM TO HAVE PANDEMIC-RELATED FINANCIAL HARDSHIP. 

Bayview required two forms to request forbearance, one requiring the documentation the law does not require. Even with that, they failed to provide forbearance and withdrew funds from my account. This is fraud under the Electronic Funds Transfer Act. 

I have asked that my account information be deleted from this account as I was provided temporary help. I informed this inept company to delete my information though they did not. 

Look at Bay Loan Servicing reviews on the Better Business Bureau or any other reputable source. This disreputable tarnished company does not deserve to hold a license in the state of California or any other state.
Consumer complaint received 2023-01-03
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. (MI)

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 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 XXXXXXXX  This is in accordance XXXX the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX
Consumer complaint received 2020-04-29
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

Good afternoon, I have mailed a payment to my finance company on XXXX and per the money order company it was cashed by my finance company on XXXX. The funds have yet to be posted to my account. My account is now over 60days past due and facing repossession. I am trying to avoid repo action. I have spoken with a supervisor; emailed proof of the money order as well forwarded an email from the money order company to the supervisor. The supervisor assured me that the request was made to research the issue, as well as other representatives have assured me the same thing since I have been calling in regard to this issue. My account has now endured fees, extra interest and my credit has been affected. Each time I have called I am told that my account is under review. It has been too long for no resolution. This is my third complaint with my finance company, and this should not be. If I am being treated of such how many other customers are in this same predicament? Some of the representatives have attempted to collect more of the past due balance by advising me that I owe one amount but in all actuality I owe less. They quote me an inaccurate past due amount. Attempting to collect on an amount that I do not owe. This stresses me even more. I am already taking several medications, and this does not help me.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IL)

The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is hereby required by Federal Law that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (TX)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-14
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. (MI)

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-03
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: CITIBANK, N.A. (TN)

Fraudulent charges were made on my Citibank account beginning XX/XX/XXXX after I took out a FREE trial with a company called XXXX on XX/XX/XXXX. They required a credit card, but I cancelled the next day and was never charged for the trial membership. I never made a single charge to XXXX other than the trial membership fee which was never actually charged to my Citibank credit card because I cancelled. However, someone used my credit card information to begin placing charges. Several went through unnoticed until the thief became bolder and began charging multiple amounts on the same day for the exact same amounts in XXXX. I reported these as soon as I realized it to Citibank in XXXX, XXXX, when 18 charges went thru on the same day for {$39.00}. I have been dealing with Citibank now for over a year and it has been a nightmare. At first they were very helpful and refunded the charges to me, but then began to charge them back to me. It became unbelievably complicated to sort through the multiple charges, refunds and charge backs. I have called over and over again and spent hours on the phone with multiple people trying to explain, some were helpful but most were extremely condescending to me, using the complicated process to try to convince me I didn't know what I was talking about. I had hope at one point when they sent me a stack of my own statements with a complicated color highlight system showing what had been charged, refunded and charged back, asking me to sort through them and send them back the charges that still needed to be refunded. I spent three days going through what they sent me and sorting it out into an easy ( as possible ) to understand spreadsheet. I sent them this spreadsheet on XX/XX/XXXX and have had no response. I have attached my written correspondence and the spreadsheet with this complaint. Please help me, XXXX also promised to get to the bottom of this but did nothing except apparently provide Citibank with some bogus information to say I made the charges. They are a phone service that charges a small monthly fee of {$19.00}, and no one can tell me what anyone could possibly purchase at this company with XXXX charges of {$39.00} + XXXX charges of {$26.00} for a total of {$1400.00}. I hate to report Citibank and fear repercussions, but I desperately need help to get them to refund me the remaining fraudulent charges of {$430.00} plus all the interest they continue to charge. I am reaching out to Consumer Finance as a last resort and praying you can help.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.
Consumer complaint received 2023-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A XXXX loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

I was compelled to file another XXXX XXXX, again further damaging my credit history on this same matter of requesting a loan modification, this time ( the servicer ) requested more information on XX/XX/2022, and that information was submitted ( see attachments ) on the same day. Days prior, the Maryland Homeowner Assistance Fund ( HAF ), requested modification records to be forwarded to : XXXX, XXXX XXXX, XXXX, Case ID # XXXX, on XX/XX/2022, again no response. Its obvious this non-responsiveness is a conspiracy to not process a loan modification and my XXXX XXXX XXXX assistance. I wish that you investigate this matter, if necessary, I will escalate these matters to : XXXX. XXXX XXXX XXXX XXXX ( submit ) Privacy Act Form XXXX. Office of the Comptroller of the Currency XXXXXXXX XXXX XXXX XXXX XXXX. Office of the XXXX of XXXX XXXX ( XXXX XXXX XXXX ) XXXX. Federal Trade Commission XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (TN)

On several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (CA)

Under the Fair Credit Reporting Act, they have 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My account with Suntrust bank was closed on XX/XX/2021 with XXXX inside legally earned and when I contacted the bank their response was that it would take 90 days for them to mail me a check since they were conducting an investigation on my account. After the 90 days went by I contacted them again and they told me they mailed me a check the week following my account closure and that the check was cashed on XX/XX/2021 on the Suntrust branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. After that, I Immediately contacted the bank and created a dispute and another investigation was issued for the check that I was owed for the amount of XXXX $ since it was cashed by another person that it wasn't me or my son since we are the only authorized users of the previously mentioned closed account. The fraud case number for the bank is XXXX and it's been more than one month since this started and they told me they would check the surveillance videos with the bank and no advancement has been made on their part to return me my money. I already filed a police report and reported the issue to my condo management office in order for the process to be completed.
Consumer complaint received 2022-07-14
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. (MI)

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.