vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: NC

Complaint narrative:
I have this company Monarch Recovery repeatedly call regarding some sort of debt collection that is not mine and not under my name or SS #. I have repeatedly asked them to take my number off of whatever this account is for because I am not the person who's name they ask for. They either hang up on me as soon as I say, " take my number off '' or say they will update the account and then just call me again the next day as you can see from the call log below. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXasked them to take my number off* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked them to take my number off* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked them to take my number offXXXX 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 *asked them to take my number off* 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  feel like they've possibly been calling me for longer, but these are the only ones I noted in my phone as coming from Monarch Recovery specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a notice from Fifth Third Bank stating that my escrow account balance is estimated to fall below the lowest required balance, giving me a shortage of XXXX. I have overpaid my mortgage by XXXX every year, so I should still be above that mark. Despite this fact, they have raised my monthly payment. When I reached out by phone, the automated service did not recognize my account, nor my ssn, nor my husband 's ssn. The automated service hangs up on you no matter what option you select. When I attempted to login to their website, I repeatedly received messages stating my account was 'invalid '. If I'm unable to speak to anyone, then I am unable to resolve the issue. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NV

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-03 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: PA

Complaint narrative:
Disputed INAUTHORIZED INQUIRIES or Credit Report FOR you are reporting inaccurate and incomplete credit information. Pursuant to 15 U.S. Code 1611 credit bureau is criminally liable.

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 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I am writing to formally file a complaint against Westlake Financial concerning the continued reporting of a collection account on my credit profile, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ).

I initially took out a loan with Westlake Financial. Unfortunately, I experienced financial difficulties, leading to a missed payment, which was the first missed payment on the account. According to my records, this missed payment occurred over seven years ago. 

Under the FCRA, negative information, such as a collection account, is only allowed to remain on a credit report for seven years from the date of the first missed payment that led to the delinquency. Despite this, Westlake Financial continues to report this account to the credit bureaus, negatively impacting my credit score and financial standing. I have made several attempts to resolve this issue directly with Westlake Financial, but they have failed to take the necessary action to remove this outdated and inaccurate information from my credit profile.
I am requesting that the CFPB intervene in this matter and compel Westlake Financial to remove the collection account from my credit report as it is no longer legally permissible for this information to be reported.

Please find attached copies of relevant documentation, including my credit report showing the continued reporting of this account and any correspondence with Westlake Financial.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 nephew, 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 2 out of 3 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. 

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 non-monetary relief
Consumer complaint received 2024-09-03 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: MD

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

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 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 2024-09-03 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.

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 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was not able to continue to make payments on my vehicle after XXXX of XXXX. I later contacted Capital One Auto Finance to settle, however, the amount they wanted to settle for was more than I could pay. Around XX/XX/XXXX, the vehicle was repossessed. I did not receive notice that the vehicle was going to be repossessed. Finally, in XX/XX/XXXX I received an email that I owed a deficiency balance. Missouri state law, specifically, RSMo 400.9-614 requires that the party send a notice of sale of collateral. I never received this notice and therefore I did not have the right to redeem. I don't know when the car was sold, the amount it was sold for, where it was sold, etc. My understanding is that due to Capital One 's failure to provide this notice, they can not collect a deficiency balance from me, however, they continue to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was paying my mortgage automatically through my bank. 
I pay {$500.00} extra per month and I pay twice a month to reduce the pay-off period for my loan. 

I was with XXXX and there was never a problem. They transferred my mortgage to NewRez a year ago. About every quarter, for the last year, I've received notification from NewRez that I had failed to make my payment, I was assessed a late fee every time, plus I spent hours on the phone trying to fix the issue. 

Finally, in XXXX, it was suggested, by a New Rez customer service agent, that I fill out a form to and have payments automatically done through NewRez instead of my paying automatically through my bank. 

The bank request form, from XX/XX/XXXX, never got processed. After spending hours of agonizing time on the phone with customer service representatives, the problem was NOT solved and I resent the automatic payment forms on XX/XX/XXXX. 

The issue was still not resolved and I still received letters in the mail telling me that I was delinquent BUT I was never notified that the form I had previously sent, twice, wasn't processed I had to spend another hour on the phone today with a very nice customer rep who couldn't help me get the late fees rescinded, couldn't connect me to a supervisor, and wouldn't help me ( against company policy ) connect to a loan servicing agent since the CUSTOMER SERVICE REPRESENTATIVES CAN NOT DO ANYTHING TO HELP A CLIENT WITH LOAN SERVICING. I also paid the entire late amount ( it was late because THEY were screwing up ). I have no idea about the extra {$500.00} that I generally pay each month. 

I had to resend the automatic payment bank form, this time by regular mail. I am so fed up that I've been dealing with these issues for the entire year that I have been a customer of NewRez. ( By the way, they are under the same company as XXXX. The parent company is called Shell Point Mortgage ). 

I have spent countless hours on the phone with the company. I can't trust that they are going to reverse the late fees. And what about my credit score? I'm sure it has been damaged in the process. Also, what about the extra {$500.00} that I generally pay? I am so upset with this company. 

Thank 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 explanation
Consumer complaint received 2024-09-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFBP complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of indetity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan open with roadrunner financial in XXXX of XXXX. This account has resulted in fraudulent collection appearing on my consumer fico credit report I due not recognized the afforemention accounts, collection as reported. The aforementioned accounts, collection appearing in my credit report were not open by me, this account is a result of identity theft and fraud I have attached a copy of the FTC identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE COMMISION that all of the aforementioned consumer credit accounts, collections are the result of indentity and fraud.

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 2024-09-03 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX  ) & reporting account { XXXX }, is in violation of 15 USC 6802 " Obligations with respect to disclosures of personal information ''. 15 USC 6802 States : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This section also gpes on to speak about how a consumer has the right to opt out in section ( b ) which I, the consumer, never received from XXXX. Section ( b ) " Opt Out '' States : 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I, the consumer, never received from the financial institution a clear and conspicuous statement that my nonpublic personal information would be disclosed to third party non affiliates. Section ( b ) " Opt Out '' goes on to state how the consumer must be given an opportunity to before such time information is disclosed to opt out and not disclose such information to third parties. Part C ), the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never given an explanation from the financial institution ( XXXX  ) an explanation of how I could exercise a nondisclosure option which per this code must be given. The financial institution is also in violation of the privacy act of 1974.

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