vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
Zwicker & Associates, P.C., a debt collector, through their agents, employees, attorneys & representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023. There is no Privity of contract. Zwicker & Associates, P.C through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. They do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying Zwicker & Associates, P.C can legally collect, and proof that Zwicker & Associates, P.C is the current holder of the instrument which created the debt with my original blue ink signature. Zwicker & Associates, P.C is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. I refuse to pay this alleged debt to Zwicker & Associates, P.C and I do not consent or authorize for Zwicker & Associates, P.C to have access to my nonpublic personal information as they are third parties and I never did business with them. Zwicker & Associates, P.C is also stating that they are a debt collector and also attorneys at the same time which is a violation of the fair Debt Collection Practices Act. It also appears that they are practicing law without a license and are foreign agents. I request to see their foreign agents registration with the Attorney General. And if you are being retained by the original creditor, I request to see the retainer agreement. I will report this to the Federal Trade Commission and other appropriate authorities. This is grounds for a federal lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
Accounts opened under my name without my consent. Please be advised law enforcement officials have been notified and a report has been made concerning this matter.

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 2024-03-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Disputing Inaccurate Accounts on My Credit Report- Smith vs. Experian Dear Experian, I am writing to dispute specific accounts on my credit report due to incomplete and inaccurate information, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). The inaccuracies in these accounts are negatively impacting my credit standing, and I am requesting their immediate removal. 
On my report, as shown in the attachments to this letter XXXX XXXX, is reporting inaccurate information. There is no opening date, the account status says open when its actually closed. The last reported, date last active, and date of last payment are incorrect. The report for XXXX is also incomplete which is a violation. The two year payment history on my report is missing information which also makes it incomplete. I am demanding removal. 
I kindly request a thorough investigation into these matters in accordance with the FCRA guidelines. I anticipate the swift correction or removal of inaccurate or incomplete information from my credit report. 
As a relevant reference, I would like to bring to your attention the legal case of Smith vs. Experian, where Experian faced legal consequences for similar inaccuracies in reporting. This case highlights the importance of addressing the rectifying such matters promptly and in compliance with regulatory requirements or standards. 
I am copying this dispute letter to the Consumer Financial Protection Bureau ( CFPB ) and the South Carolina Attorney Generals Office to ensure proper oversight and attention. 
Thank you for your immediate attention to this issue. I look forward to a prompt resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-03-04 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: MI

Complaint narrative:
IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES XXXX XXXXXXXX ACTT # XXXX -BALANCE {$4800.00} IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX # XXXX BALANCE {$750.00} IS AFRAUDULENT ACCOUNT, XXXX. XXXX XXXX ACCT # XXXX BLANCE {$180.00} IS A FRAUDULENT ACCOUNT, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.

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 2024-03-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
IN XXXX I WAS CONTACTED BY A EQUIFAX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM EQUIFAX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXXXXXX ACTT # XXXX -BALANCE {$4800.00} IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX # XXXX BALANCE {$750.00} IS AFRAUDULENT ACCOUNT, XXXX. XXXX XXXX ACCT # XXXX BLANCE {$180.00} IS A FRAUDULENT ACCOUNT, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
The balance on my DCU  account is showing at {$86000.00}, but the correct balance on my credit report should be showing as {$79000.00}. This balance needs to be updated to reflect the current balance on the account.

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 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Representative of Rocket Mortgage, XXXX XXXX contacted me regarding refinancing mortgage subsequently submitted application ro which he emailed I was approved. Another request was made for recent paystubs which I provided for 1st 2 weeks of new job along with 2023 W2s. To this date I have not heard back from Representative. He said application was ready for signing and I've called and emailed daily for 2 weeks without success. I am very dismayed and no not what to do. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$1700.00}, XXXX XXXX ACCT # XXXX BALANCE {$1100.00} IS A FRAUDULENT ACCOUNT,, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.

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 2024-03-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a history of punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my consistent track record of meeting deadlines.

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 2024-03-04 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
An account I had open with Affirm was charged off as a debt, I paid it in a settlement agreement with the collection agency. Affirm has refused to report it correctly to XXXX for over 90 days. And I have disputed it numerous times through XXXX website and it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
I sent XXXX to Fay Servicing to stop the foreclosure of my home on XX/XX/XXXX. I owed XXXX in XXXX. When they started the foreclousure. There was a holiday weekend when money was sent XX/XX/XXXX so we also emaild the wire to show proof to XXXX an employee who then confirmed he did recive the email. I made multiple calls ..very hard to get someone to return your calls. Tuesday I spoke to someone mid day. I told him my information and when i gave him my address he said which unit??? And i replied and he goes oh that's why your mail has been getting returned. THEN he said their team was working on it the amount maybe something wasn't right I needed to call back. I explained that I was told to send the amount he said I just needed to call back later... I recieved a phone call at XXXX Immediately return phone call. But it took a few times to get through to somebody and I was told that I did not send enough money i was XXXX short and there was nothing i could do to stop the sale now except call their lawers. Which I did and had the same issues trying to get a person there. ( My lawyer tried too ) I went to the sale with cash to pay what was needed and they wouldn't stop due to Fay Servicing not informing them I was trying to pay or that iI had sent the money but because i was told the wrong amount. The sale went through for over twice what iI owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
There have been a number of issues in dealing with NewRez since my loan was automatically transferred to them. Everything from form not being updated with the correct address to where checks should be mailed, customer service reps not following up and not providing accurate information, and most recently I get messages every month saying that I am not up to date on my payments when Im on autopay and those payments come up when I get paid. That said, what made me reach out today is I was charged three times over 4 days for my regular bi- monthly payment. I called in the rep and her manager we incompetent and the manger specifically was extremely rude within seconds of me being transferred and disconnected the call and sent me to someone elses voicemail. It is extremely difficult to get quality help and this is the second time theyve taken money out my account and put my in a bad financial predicament because of their incompetence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/23 I used WISE to send a XXXX transfer to a bank in XXXX for the amount of {$17000.00}. I paid an extra {$41.00} in fees, which is expected, what was NOT expected was the loss of {$2100.00} that was taken off by the intermediary bank- XXXX XXXX XXXX. There is a small disclaimer, noting that additional fees might be taken, but it is not asterisked or clear and incredibly misleading as you'll see from the attached documents. WISE stated that they had nothing to do with it but they should not be using banks that can fleece consumers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NJ

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
My name is XXXX XXXX, and I have applied for Student Loan Forgiveness through Mohela. This issue with my case, is that XXXX is my loan servicer. My account number is XXXX In trying to understand and navigate this process, I have contacted both Mohela and XXXX and there still appears to be a lack of communication on how to process loan forgiveness applications for loans serviced by other companies. Mohela has conveyed that I do not have an account number so I can not provide it. 
I contacted Mohela today and they confirmed that they do have my application for loan forgiveness, however, they have not reached out to XXXX to have my loan sent to them to apply the loan forgiveness. 
When I have contacted XXXX in the past, they have indicated that they have not been contacted by Mohela to transfer the loan. 

While I appreciate all of the effort going into this program to make this happen, there must be something done to fix this disconnect between these institutions. 
Mohela has express that I may want to contact XXXX and ask them to forward my loan to them as the new service provider, but this really makes no sense because XXXX has no way of knowing whether I in fact have applied for loan forgiveness. 
Again I applied for this forgiveness XX/XX/. So you can understand my frustration. 
Please help me, the interest on my daughters loan is beginning to pick up and I really do need the assistance. 
I can be reached at ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation