davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been working with Bayview for months now on trying to retrieve a loan modification. When i would call in to check the status of the loan modification, i would receive a response back from XXXX XXXX that they were having issues with the Underwriter reviewing my information. He would advise that although all documents that were requested had been received, that the Underwriter was not reviewing them. He also advised that there had been some system changes which could cause the delay. This went on since XXXX of 2018. On XX/XX/XXXX of 2018, i received a denial letter stating that my account had been denied because i have too much equity in my property. I dont understand how they would allow me to come this far, when my property had equity when i first started the review process with them. I dont find it fair that i dont get the opportunity to save my home because of the equity. I dont have the funds to bring the account current while in foreclosure. I am not requesting any payment reductions, i am simply asking they put what i am behind to the back of the loan so i can begin resuming payments. Please help, i dont want to lose my home.
Consumer complaint received 2022-07-09
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. (NC)

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Consumer complaint received 2022-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
Consumer complaint received 2022-07-09
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. (VA)

I have tried repeatedly to dispute a Bankruptcy that is appearing on both my Equifax and XXXX credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both XXXX and Equifax remove XXXX information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both XXXX and Equifax fail to adhere to Metro2 compliance requests.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX has been non-compliant with removing the unverified account CREDITACPT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDITACPT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (TX)

Accordance with the fair credit reporting act XXXX  account # XXXX, 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX and TXXXX. XXXX   and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

I opened a new savings account with Discover Bank. When I tried accessing my account their fraud department had put a freeze on the account. I've tried calling in on numerous occasions to clear this up and it is always a 2 to 3 hour wait time. I finally reached someone on XX/XX/XXXX and was told they couldn't unfreeze the account until after XX/XX/XXXX because they needed to wait for the XXXX to clear, even though it had cleared my bank on the XXXX. So now today XX/XX/XXXX I tried calling again and after XXXX XXXX they disconnected my call and no matter who else I call at Discover I am told the only ones that can help is the fraud department. This is a terrible system and I just want to move my deposit to another bank that has a better system of customer service. Please tell them to give me my {$25000.00} back.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-07-09
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: GOLDMAN SACHS BANK USA (TX)

This dispute is involving a purchase of XXXX refundable international flights in XX/XX/XXXX with XXXX XXXX for {$5800.00}. I was overcharged {$310.00} for which I was given a credit by my credit card. XXXX weeks before the flight was supposed to leave I called to check on the COVID requirements and the airline informed me my tickets had been cancelled due to a card issue and they would not refund me and I would need to seek resolution from my credit card. Additionally, I have not been able to reach the airline by phone as their call center has been turned off. 

XX/XX/XXXX I called to request full amount to be disputed to recieve {$5800.00} and was told I would need to withdraw the initial {$310.00} dispute. I was told my card would send me an e-mail to confirm the initial dispute was withdrawn and issue me the credit of {$5800.00} while they investigates- this never happened. My case was also forwarded to customer advocate to call me and they never did. 

Again I requested for the dispute to be withdrawn on XX/XX/XXXX due to wanting to dispute for the full amount of {$5800.00} instead of the partial amount that was initially requested for {$310.00}. 

On XX/XX/XXXX the apple agent went ahead and processed the withdrawal request through the " correct way ''. I was told by the credit card representative they had made errors on my account and they we able to see I was wanting to dispute the whole {$5800.00} but it was changed again to {$310.00} and in a pending status. The representative said she never saw something like this and it looked like a technical error. The dispute withdraw verification email was supposed to be received by now or within 3 days and it was not. 

On XX/XX/XXXX the issue was escalated and a case was opened by a dispute specialist due to the withdraw request not being taken care of. 

XX/XX/XXXX case escalated again, dispute manager to call within a week and has not.
Consumer complaint received 2020-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (NY)

I have been paying this loan for many years. Then my school closed and now I don't have access to get any copy of my transcripts or anything. I can get records that future jobs require and no proof I graduated. This is horrible and a true financial burden on my life.
Consumer complaint received 2019-01-09
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: Consumer Portfolio Services, Inc. (MN)

I Called and made a complaint on XX/XX/XXXX and XX/XX/XXXX, but no one was able to help me. They couldnt find an application on file with my social security number. 

Someone ran my credit twice on XX/XX/XXXX for Auto financings, which I did not authorize. Im looking to get these HARD INQUIRIES removed ASAP.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NY)

REQUEST FOR VALIDATION OF DEBT Dear, XXXX XXXX XXXX   Your letter was received on XX/XX/18 alleging that I owe a debt to an original creditor named XXXX XXXX XXXX Im not aware of this account You are reporting XXXX XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or XXXX XXXX XXXX 

So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 

NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX   that the principle, of this debt is in dispute. 

Please correct the records with all reported credit bureau, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 

Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2018-08-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVIENT with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Consumer complaint received 2022-07-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX & Account # XXXX XXXX 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 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT I HAD A LOT OF UNAUTHORIZED INQUIRIES REPORTING. I REACHED OUT TO THE CREDIT BUREAU AND HAVE NOT RECEIVED A RESPONSE.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-24
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)

On Transunion I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to Transunion stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Transunion reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Transunion even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On XXXX I have two XXXX entry I talked to XXXX and they said they sent an electronic message to XXXX stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I notified Transunion ( XX/XX/2018 ), XXXX ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXcount # XXXX XXXX Account # XXXX XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. StatesI 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.