vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
I have a mortgage with XXXX XXXX  The mortgage closed on XX/XX/year>. They changed servicing companies about that same time, They started reporting my new mortgage twice on both our credit reports, my husband and me. 

They are also practicing at worst unfair and deceptive practices and at best incompetency. I got an escrow review letter in XXXX that spoke of a shortage, I paid that shortage with my XXXX Payment. Now my mortgage amount is showing higher. When I called I was told another mistake was made. Now I have two escrow statements ( I still have not gotten the second one, I just noticed it in my documents ) and it is unclear what I owe. When I tried to lodge a complaint about this and the credit report situation, the customer service person did not even seem to know how to lodge a compliant. They should have communicated that there was an error, they have my e-mail address and mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I sent out a validation letter to verify this account XX/XX/XXXX and no reply was given. In fact the debt was sold to another collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I called Select portfolio servicing about my mortgage should be paid in full, i never refinance, or taken out a loan on my how and i paid {$110000.00} 32 years ago and you saying i still owe {$150000.00} and if I didnt pay i will be facing foreclosure. I ask for mediation and i sent loan documents fax, email, and certified mail and still waiting for a answer after 6 months and keep getting threatening calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 non-monetary relief
Consumer complaint received 2024-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not related to me in any way, and I bear no responsibility for them. Their presence has caused significant emotional and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not properly addressed. These inaccurate and fraudulent entries have severely impacted my ability to purchase my dream home and provide for my family 's needs, resulting in substantial harm to my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am writing to dispute an item on my credit report under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), which allows me to dispute inaccurate, incomplete, or outdated information on my credit file. Upon reviewing my credit report, I have identified the following inaccurate information : Balance : {$820.00} Date Opened : XX/XX/year>. this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I paid the bank all but a fee that was going to be waived. However, it wasnt taken care of correctly and now they say I still owe them money. This is not correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain items from my credit report. As a victim of a recent data breach, I have experienced identity theft, and unauthorized accounts have been reported under my name. Under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these fraudulent items removed from my report. 
Below are the details of the unauthorized accounts that need to be removed : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$620.00XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX  Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$610.00XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} Additionally, I request that the following inquiry be removed from my report as it is also related to the identity theft incident : XXXX XXXX  - Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
This notice addresses unvalidated late payments on my credit record that remain unresolved despite my written dispute submitted over 30 days ago. Your failure to respond or provide validation within the required timeframe violates federal law.

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 2024-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Santander Consumer USA for predatory lending practices.

Two years ago, I purchased a used vehicle and financed it through Santander Consumer USA at a predatory 24 % interest rate. After experiencing a brief health issue that caused me to miss a payment, I contacted Santander to explain my situation. They agreed to restructure my loan.

Unbeknownst to me, the restructured loan included simple interest charges that were not clearly explained. As a result, my monthly payments increased from {$870.00} to almost {$1100.00}. Despite paying approximately {$15000.00} over the past two years, only about {$1100.00} has been applied to the principal balance total, since the inception of the loan. This makes it nearly impossible to reduce the loan amount, effectively trapping me in debt.

I believe Santanders lack of transparency and the addition of these excessive charges, along with a predatory interest rate and loan structure, constitute predatory lending. I am facing severe financial hardship and am considering bankruptcy due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CA

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 2024-11-05 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: CA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer 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 2024-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please delete the following hard inquiries from my credit report, as they were conducted in violation of 15 USC 1681b. I did not authorize these inquiries, and they should be removed promptly to correct my credit report. 

Hard Inquiry Details : XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, I entered the XXXX payment relief program under the XXXX XXXX  which initially deferred my mortgage payments for six months. In XXXX, I extended the deferment for an additional six months. 

On XX/XX/XXXX, I received correspondence stating that I needed to call Wells Fargo to formally end the forbearance program. I completed this call at XXXXXXXX XXXX, which lasted XXXX minutes. During the call, I confirmed that I no longer needed assistance and would resume my regular payments. Since then, I have not missed any payments. 

However, in recent correspondence, Wells Fargo stated that I owe the entire deferred amount of {$14000.00} and has indicated that they are moving forward with foreclosure proceedings. According to them, this issue stems from my failure to sign certain documents at the end of the forbearance period. My understanding, based on my XX/XX/XXXX call, was that the forbearance was officially concluded. 

Throughout this process, Wells Fargo persistently suggested a loan modification, which I repeatedly declined, as it was not the assistance I sought. Despite this, they continued to send modification documents. I consulted my original mortgage loan officer, who recommended the XXXX XXXX forbearance as a suitable option, something Wells Fargo had not suggested. They still appear focused on promoting a loan modification, which would likely increase my payments. 

My goal is to complete the payment deferment as initially discussed, with the deferred payments added to the loan balance, as Wells Fargo originally indicated. Currently, they are pursuing foreclosure on my home, which has a balance of {$110000.00}, with an approximate market value of {$320000.00} to {$350000.00}. Given the circumstances and as a member of a protected class, I find this treatment and the resulting foreclosure actions to be highly concerning and potentially predatory. 

I sought relief from Wells Fargo, which they accepted, but now, due to unclear paperwork requirements and their repeated focus on a loan modification, they are threatening foreclosure. This situation has created significant financial and personal stress, especially given the risks associated with modifying my loan in a way that may ultimately be financially unfavorable.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-05 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-05 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: CA

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 non-monetary relief