davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Subservicer Bayview Loan Servicing LLC, keeps sending Loan Adjustment Agreement or permanent modification agreements with illegal conditional waivers. Bayview Loan Servicing has dual tracked borrowers for over a year and attempted foreclosure on borrowers over ten times while borrowers are in a current active workout and making payments on a trial payment plan for over a year. Subservicer Bayview Loan Servicing uses a tactic of sending the permanent modification out with illegal conditional waiver for borrower to sign. Then when borrowers fail to give up their rights because the permanent modification agreement has illegal conditional waiver Bayview Loan Servicing will state to the CFPB borrowers declined the permanent modification agreement or borrowers failed to return the permanent modification agreement ; however, Bayview fails to tell the CFPB they put a illegal conditional waiver in modification agreement demanding borrowers give up rights so that Bayview Loan Servicing can dual track them, the waiver also demands borrowers to give up their rights to an attorney and a trial by jury. Therefore, we are providing the Attorney General proof that we did n't decline the modification agreement and have submitted the following to Bayview Loan Servicing LLC. Bayview stated in a response to the Consumer Financial Protection Bureau that they had a right to put the illegal waivers as a condition to the permanent modification agreement. Bayview Loan Servicing LLC, also threatened us and stated if we fail to return the permanent modification agreement signed with the illegal conditional waiver giving them right to dual track us, taking away our right to an attorney and also taking away our right to prevail in court if they foreclose then Bayview Loan Servicing LLC has had us in a trial payment plan current active workout for over a year and threaten us stating they will put all the trial payments plan payments into a suspense account and foreclose on us
Consumer complaint received 2017-09-22
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. (UT)

All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile. 

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ]. 

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing. 

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts. 

Thank you in advance for your understanding and support.
Consumer complaint received 2017-11-27
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: Real Time Group, Inc. (CA)

A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MN)

I received notice that my Citi credit card was locked for potential fraud. I reviewed my statements and there were no charges or activity that was out of the ordinary. I called and spoke to a representative who informed me the issue could not be resolved unless I called off a land line, he stated my work phone would do. I called from my work phone and the next representative I spoke to said if the landline was not maintained by me then they would have to send me a letter that would take 7-10 business days and after I received that my card would be unlocked and able to use again. I called and talked to another representative and I explained that this is serious and there has to be another way to verify i.e. social security number or the bank account number I use to pay the credit card. He said the bank account number and verifying my last 4 charges would suffice. So I verified and all was " good to go. '' He told me to disregard the letter that the rep I spoke to prior mentioned. After my work day I went to use the card and it was still declined. I spoke to a supervisor who said they would call my work phone the following morning to resolve ( I never got the call. ) I spoke to another supervisor who said his manager would call me within the hour ( I never received that call. ) I called and finally got through to a manager who said that there was nothing he could do because I had been flagged for MULTIPLE fraudulent activities. I asked him what triggered this as there are no charges out of the ordinary. He could not answer. He said an " investigative team '' would review that and then I asked if after review I could get a printed copy of the " flags '' sent to me. He stated they would not do that. He explained that the original letter that was being sent to me would be expedited and I needed to follow those instructions. I asked in his experience as a manager, what is the time frame for something expedited. He could not answer. I informed him that a manager was to call me the following morning on my work phone and he assured me that when she called it would be resolved. I asked what if it was n't he said ask to be transferred directly to a manager. I finished my work day, never received the call, called from my cell phone explaining everything that happened in the past 24 hours and spoke to a manager who said if she could call someone at my work and give them a reference number which they could pass on to me, it would be cleared. She said she personally would call me back in 10 minutes. I never received a call. This all started on Tuesday morning XX/XX/XXXX. It is now Monday XX/XX/XXXX and I still have not received a letter, no one has contacted me and I am still without a credit card.
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (KS)

Synchrony Bank called 2 days in a row using different numbers. 

XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX XXXX XXXX, XXXX at XXXX a.m. XXXX : called from XXXX Neither time did they identify themselves as debt XXXX. I used XXXX to look up their phone numbers and found out who they were calling in behalf of.
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (MS)

On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT REPORTS:XXXX XXXX XXXX, XXXX , CA XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX
Consumer complaint received 2017-11-28
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. (KS)

For purposes of this complaint, CRA ( Credit Reporting Agency ) will define XXXX, Experian and XXXX. 

The CRA has failed to delete from my credit report delinquencies reported by XXXX XXXX XXXX that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been  refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s )  upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
Consumer complaint received 2017-11-28
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. (KS)

For purposes of this complaint, CRA ( Credit Reporting Agency ) will define Transunion, XXXX and XXXX. 

The CRA has failed to delete from my credit report delinquencies reported by XXXX XXXX XXXX that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s )  upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (NC)

XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships. 

As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX,  via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments. 

Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed. 

On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX. 

I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship. 

( B ) during the period of military service, in the case of any other obligation or liability. 

( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 


The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX. 

( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any  location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )
Consumer complaint received 2017-09-22
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)

I saw three derogatory marks on my Transunion credit report, all from XXXX XXXX XXXX, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called Transunion. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. Transunion then sent a letter stating there was nothing they could do. I 've also contacted the collections company, XXXX XXXX XXXX, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that XXXX XXXX XXXX told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. Transunion was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX