davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (CA)

I have inaccurate information being reported by Experian. I am the owner of account # XXXX with XXXX XXXX. I have asked Experian to correct this for over 4 months. I worked directly with the creditor XXXX XXXX they are reporting that I was late on and they wrote a letter stating this was in fact an error. First Experian reported this as a late in XXXX and then suddenly they moved in to XXXX. I supplied a letter dirrectly to Experian stating this account was never late from XXXX XXXX and they have failed to correct the inaccurate information. I have called them on XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I have Experian and attached the letters that were submitted and faxed on XX/XX/2022 and XX/XX/2022. Each time they tell me to file a new dispute and this is all that I can do. I have /requested a manager on several occasions and every time I am told a manager will call me back and I have never once received any call back from Experian. I have waited on hold for hours and been hung up on repeatedly. They have no method to correct this or manager to assist. I even gave them the number of the manager of all of XXXXXXXX XXXX XXXX  services in the corporate office to call directly in the dispute filed over the phone and they have still failed to correct this. I have also called XXXX to help me in this process and every time they tell me they are pushing through the correction to Experian but it has failed to be corrected. 

I have attached several letters I have submitted to Experian asking them to correct this. My Credit report currently and my previous credit reports which shows them moving the inaccurate information from XXXX to then to XXXX and still failing to correct the issue.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (TX)

Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX  Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
Experian has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

2. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I constantly check my credit report and noticed that the false and misleading information for individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB enforce the correction and or deletion of these items.
Consumer complaint received 2023-05-26
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the XXXX XXXX website regarding the Transworld system XXXX XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX
Consumer complaint received 2020-08-25
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: CITIBANK, N.A. (CA)

In XX/XX/XXXX Macy 's Credit but a late payment of my credit for a {$5.00} payment. 

It is now XX/XX/XXXX why is the late payment still reporting. 

I have begged Macy 's to remove this insane 7 year sentence over {$5.00} and they have refused. 

I have never been late prior to the incident or after. 

I have 100 % payment history until XXXX with Macy 's. 

Macy 's should be ashamed of its practices and its also my life 's mission to change the laws concerning how credit matters are reported. 

I am requesting to REMOVE THE LATE PAYMENT IT IS LONG PAST THE 7 YEAR SCARLET LETTER MARK.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

THIS COMPANY Sequium DEBT COLLECTOR DID NOT VALIDATE THE DEBT I SENT A CERTIFIED LETTER ON XX/XX/20 GOT NO RESPONSE ALL OF SUDDEN THIS POPPED UP ON MY CREDIT REPORT WITHOUT PROVIDING THE LEGAL INFO I ASKED FOR
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

The Money Source ( TMS ) was my mortgage servicer and I refinanced with XXXX XXXX  effective XX/XX/XXXX. XXXXXXXX XXXX wired transferred to TMS on XX/XX/XXXX, provided to confirmation number : XXXX. Email reply on XX/XX/XXXX, from XXXX XXXX from XXXX XXXX ( processor of refinance on behalf of XXXX XXXX  ) : Additionally, our payoff to The Money Source was successfully sent via wire on XX/XX/XXXX. The confirmation number is XXXX. Today, XX/XX/XXXX, TMS reports receipt of funds for XX/XX/XXXX and charged late and other fees that were not recorded in their " payoff statement ''. These TMS fees were labelled as " Irregular payment charge '' for : {$270.00}. However, in my XXXXr TMS statement, TMS notified late charge of {$270.00} would be applied if payment was received later than XX/XX/XXXX. Therefore TMS has charged me the above stated amounts with no justification since my mortgage payment was due by XX/XX/XXXX, and XXXX XXXX fully paid my principal and interest and more by XX/XX/XXXX. 

Further, on XX/XX/XXXX, XXXX XXXX paid TMS {>= $1,000,000}. The Payoff StatemenXXXX provided by TMS, attached informed payoff amounts as : 1. Current unpaid Principal Balance is : {>= $1,000,000} Interest at 3.00000 % XXXX Recording Fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Fees XXXX Payoff Statement Fee XXXX * * * * TOTAL AMOUNT TO PAY LOAN IN FULL * * * * * {>= $1,000,000} *** TOTAL AMOUNT PAID BY XXXX XXXX  XXXX ( {>= $1,000,000} ) TMS Payoff letter ( attached ) does not list any additional fees that they have charged me ( listed in 1st paragraph for {$270.00} ). Per TMS 's XX/XX/XXXX statement, the {$270.00} refers to late charge if payment were submitted after XX/XX/XXXX. 

I therefore accuse TMS of making 2 inaccurate accounting errors and 1 Untimely payment of overpaid mortgage payoff funds due to borrower for : 1 ) False accounting of recording mortgage payoff payment receipt as XX/XX/XXXX when confirmation from XXXX XXXX ( refinanced bank ) shows wire transfer on XX/XX/XXXX. 
2 ) False or unexplained additional fee of {$270.00} that is not explained anywhere in their PayoXXXX Notice. 
3 ) As of today, XX/XX/XXXX XXXX is still holding the overpayment of over $ XXXX due to me. 

XX/XX/XXXX - After numerous attempts of calling TMS from XX/XX/XXXX currently, I was not allowed to speak with anyone but the " customer service '' agent who stated that a supervisor needed to be contacted. I waited to speak with a supervisor for 43 minutes but no supervisor picked up the phone. The operator instead came back after 43 minutes stated that supervisor was still not available and that a supervisor will call me and as of XXXX XXXX I received no call back. The customer service agent reported that TMS intends to pay me about {$9600.00} but that this check has not yet been made. The fees of question was an issue the customer service agent could not explain.
Consumer complaint received 2023-01-29
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)

On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that XXXX XXXX  stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

I never received a notice in writing from XXXX XXXX  informing me that they were reporting negative information on my credit report. 

XXXX did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.
Consumer complaint received 2023-01-29
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. (IL)

On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that XXXX XXXX  stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

I never received a notice in writing from XXXX XXXX  informing me that they were reporting negative information on my credit report. 

XXXX did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/2020 I owed {$27.00} on my Bank of America credit card. I paid them. My balance was then XXXX. They then charged me this amount again and debited this from my bank account. They had no authorization at no time ever to do so. I havent used the card since then. I tried desperately to correct this with the organization. I've made phone calls, left XXXX messages, plus sent two or three emails -- all of owhich were ignored. On two calls, they admit their fault. Bank of America still didnt remove the charge. I filed a XXXX  complaint ( which they refused to respond to ) I disputed the {$27.00} charge with my own bank and it was settled in my favor. Interestingly, it also no longer appears on my Bank of America statements -- just the {$25.00} -- now {$26.00} charge. 

Now, Bank of America charging me {$25.00} for a returned check fee. Then they tacked on a {$1.00} late fee because I refused to pay the {$25.00}. Thing with them they are non-responsive and unwilling to assist the customer and I owe them nothing.
Consumer complaint received 2022-06-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I applied for mortgage relief options to bring his mortgage current after the temporary forbearance ended. Defendant Specialized Loan Servicing, LLC ( SLS ) offered a forbearance to all FHA HUD mortgage borrowers impacted by COVID 19. 

In XX/XX/XXXX I had a reduction of income as a XXXX XXXX  with XXXX XXXX XXXX, XXXX Additionally, my expenses increased due to his XXXX children being in virtual school as a result of COVID 19. I incurred approximately {$6000.00} in unpaid mortgage payments over 5 months from XXXX to XXXX. No payment was allowed, therefore XXXX applied for mortgage release options around XX/XX/XXXX for a loan modification. 

All loan modification option was denied, and the evaluation notice indicated that the mortgage company could not obtain a collateral position on the deed. Specifically, loan servicer processors intentionally make the process burdensome and give inconsistent directives for documentation for a complete loan modification application. This process is common and positions Defendant Specialized Loan Servicing, LLC ( SLS ) to proceed with foreclosure. I provided all the required documentation timely thats required for Loss-Mitigation Options as set forth in 12 C.F.R. 1024.31, I provided an oral or written request and applied contemporaneously in the mortgage servicer portal for a Loss-Mitigation Option that accompanied by all information required by a servicer for evaluation for a Loss-Mitigation Option. Loss-Mitigation Option means, as set forth in 12 C.F.R. 1024.31, an alternative to foreclosure was not offered by Defendant Specialized Loan Servicing, LLC ( SLS ) to the borrower. 

I WAS DENIED COVID 19 MORTGAGE RELIEF OPTIONS FHA offers COVID-19 Recovery Options to borrowers who are on a COVID-19 Forbearance, or borrowers who did not participate in a COVID-19 Forbearance who were 90 days or more delinquent through the end of the Presidentially Declared COVID-19 National Emergency.

I was denied the COVID-19 Advance Loan Modification ( ALM ) : Available to owner-occupant and non-occupant borrowers, the COVID-19 ALM is a permanent change in one or more terms of a borrowers mortgage that achieves a minimum 25 percent reduction to the borrowers monthly principal & interest ( P & I ) payment and does not require borrower contact. Defendant did not mail the modified mortgage documents to Plaintiff to achieve the required payment reduction. Plaintiff was not afforded to choose to accept the COVID-19 ALM nor sign and return the mortgage modification documents.

After the forbearance period 's completion or expiration, your servicer will review the COVID-19 Recovery Options available to you to resolve the outstanding amounts of the reduced or suspended payments. No COVID-19 Forbearance period may extend beyond six months after the end of the COVID-19 National Emergency or XX/XX/XXXX, whichever is later.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX All 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 2023-05-26
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-22
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. (MI)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.