vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I XXXX of XXXX my mortgage company ( XXXX ) sent a renew payment for my existing home owners insurance policy to be renewed until XXXX. I called to get the company switched and did so in XXXX of XXXX. In XXXX my new home owners policy never received payment from XXXX so I called XXXX and we got onto a three-way call with XXXX  and XXXX XXXX ( my new insurance hazard policy ) and was told that XXXX XXXX never XXXX the payment from XXXX  for this policy. XXXX told me they would rush mail a new check and that check was indeed received by XXXX XXXX in XX/XX/XXXX. 

In XXXX, XXXX merged with Shellpoint and now when I call I have to talk with Shellpoint. 

My escrow statement as of XXXX of XXXX shows two payments in the amount {$2900.00} where there should only be one payment of {$2900.00} made. 

Allied trust never received double payment when I called them today on XX/XX/XXXX so my escrow should not be showing two - {$2900.00} payments. 

When I call Shellpoint about this, they say that because of the company merge, they can not see any history of payments made and they are not able to tell me why my escrow is showing more than one - {$2900.00} payments. 

I have talked with several managers : XXXX XXXX told me on XX/XX/XXXX that a request was submitted to have the check refunded but nothing has been done. 
Spoke with also, a XXXX XXXX XXXX on XX/XX/XXXX and he toldme by next week they will call me but I never received a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Complaint regarding Vehicle Purchase and Repossession Vehicle : XXXX XXXX XXXX XXXX : XXXX Contract Date : XX/XX/XXXX Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the purchase, financing, and subsequent repossession of the above-referenced vehicle. I believe there have been multiple violations of consumer protection laws and unfair practices. The key issues are as follows : 1. Improper Repossession Notice : XXXX XXXX XXXX sent the repossession notice to an incorrect address ( XXXX XXXX XXXXI XXXX XXXX, instead of XXXX XXXX ). This failure to properly notify me violates the Uniform Commercial Code ( UCC ) requirements for repossession and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ( 6 ) ).

2. Lack of Redemption Opportunity : I was not provided a reasonable opportunity to redeem the vehicle before it was resold, violating my rights under consumer protection laws and UCC 9-611.

3. Potentially Predatory Lending : The contract shows an Annual Percentage Rate of 19.20 %, which may violate the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ).

4. Vehicle Defects : The vehicle 's motor failed before the contract was paid off, indicating a potential breach of implied warranty of merchantability under the Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ). 

5. Failure to Address Known Issues : I made several attempts to inform XXXX XXXX about ongoing problems with the vehicle, which were ignored. This demonstrates a lack of good faith and may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

6. Improper Credit Reporting : The repossession may have been reported to credit bureaus without considering the improper notice, potentially violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Given these serious issues, I request a full investigation into this matter. I believe the repossession was unlawful, and I am seeking appropriate remedies, including but not limited to : - Invalidation of the repossession and sales process - Compensation for the improper handling of my account and vehicle - A full accounting of all payments made and the current status of the account - Investigation into the dealership 's practices regarding the sale of potentially defective vehicles I have documentation to support these claims and am prepared to provide it upon request. I look forward to your prompt attention to this matter and a resolution that addresses these serious concerns. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
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.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Company claimed they did not receive a payment. 
XXXX bank showed the payment was Sent on XX/XX/year>. 
As a condition, I agreed to make a second payment over the phone provided they were to credit the first payment for the next month. 
They agreed and took the payment. 
Less than XXXX hours apart both payments were debited to my bank account. 
Company is now stating they never agree to crediting the second payment to the next month. 
I do not appreciate the company 's lack of candor, misuse of my time, bait and switch tactics and unprofessional and rude representatives. 
XXXX of the payments should be returned or credited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, Sec. 623.

Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, Sec. 623.

Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
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.
State: IL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX from transunion credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also again XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: NC

Complaint narrative:
I keep receiving an unknown person 's student loan correspondence. The postal service was " unable to forward ''. I called the loan servicer and they declared that without the account holder 's consent they could not remove my address from the account. Again, I have no contact with and do not know this person, and they have never resided at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
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.
State: CA

Complaint narrative:
I am writing to formally dispute two fraudulent inquiries that have appeared on my credit report without my authorization. The inquiries in question are as follows : - **Bank XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX - XXXX ( Bank ) XXXX XXXX, XXXX These inquiries were made without my consent and are the result of identity theft. As a consumer, I am protected under both the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), which mandate that any unauthorized or fraudulent inquiries be removed immediately upon notification. 

To support my claim, I have enclosed the following documentation : 1. A copy of my government-issued identification.

2. An updated copy of my official FTC Identity Theft Report.

3. A copy of this dispute letter for reference. 

# # # Applicable Laws : - **Under FCRA Section 605B**, fraudulent information, including unauthorized inquiries, must be blocked from my credit report when identity theft is reported.

- **California Civil Code Section 1785.16 ( k ) ** further provides that credit reporting agencies must investigate disputed items within 30 days and remove or block any fraudulent inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I have student loan debt from attending XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saving lives of XXXX XXXX XXXXXXXX  XXXX and due to my student loan debt of {$54000.00} being reported by NelNet to XXXX, XXXX, and XXXX, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a XXXX XXXX. I am an XXXX XXXX XXXX XXXX XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an XXXXXXXX XXXX because of my student loan debt being reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have student loan debt from attending  XXXX school XXXX XXXXXXXX  XXXX XXXX XXXX and XXXX University. I have been practicing as a XXXX XXXX XXXX XXXX since XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to Equifax, XXXX, and XXXX, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a XXXX XXXX I am an essential personnel within the XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have student loan debt from attending XXXX school at XXXX  XXXX XXXX XXXX and XXXX University. I have been practicing as a XXXX XXXX XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to XXXX, XXXX, and Experian, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a care giver. I am an essential personnel within the XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation