vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
This is a 2nd mortgage, last year we were notified that it was being transferred from Newrez to Shellpoint Loan/ mortgage Servicing but they are one and the same company. the first payment to Shellpoint was due on XX/XX/XXXX, we were told we didn't need to change anything. 
A few months ago our mortgage statements began stating we were behind in payments and that they had not received any money from us. The monthly payment is always {$420.00} per month. 
We have a weekly auto pay set up for {$100.00} from our checking account straight to them, we have never been late nor missed any payments. 
We immediately called customer services and learned that the weekly installments we set up with Newrez are incompatible with the Shellpoint billing system, causing our payments to be held in an unapplied or missapplied queue. Evidently their system can not not see the payments until an employee manually moves them to the loan account and this only occurs when we call. The first time this happened we offered to change to bi-weekly installments but their CSR said we needn't change anything as now they knew we were paying weekly it would not happen again, but it has continued to happen and we have had to call several times to ask that the money be applied to our loan. Now it seems some payments are missing or lost in their system and are not applied even when we call. 
Each time we call the CSR takes a long time to review our payments and ultimately agrees that we are current and not delinquent. 
I see some changes were made following my most recent telephone conversation with them XXXX but the payment history on their site is impossible to decipher and the XXXX statement still shows we are behind - as will the XXXX one I am sure.. 
However, every payment has arrived prior to the due date, none were missed and we are actually paid through XX/XX/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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rosebud Economic Development Corporation
State: KY

Complaint narrative:
Company called and said they was with zocalones trying to collect a debt. I said cease and desist and yet they called and disclosed my personal information to my ex-wife to my sister-in-law to my brother to my mother. They said I compliance officer will be at my house at XXXXXXXX XXXX  tomorrow even though I know that's a lie because of Kentucky we have sheriffs and the sheriff 's will come and serve you papers.

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 2024-11-13 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: SC

Complaint narrative:
This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing. 

As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process. 

XXXX. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification. 

The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my credit file.

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 2024-11-13 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: GA

Complaint narrative:
I reached out to Experian starting XX/XX/year> asking them to remove inaccurate personal information from my report. The company failed to removed all of the inaccurate personal information from my report. Please remove inaccurate personal information from 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 explanation
Consumer complaint received 2024-11-13 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: WI

Complaint narrative:
Recently I checked my credit report and I noticed that I've been a victim of identity theft and found numerous of credit inquiries that I have no knowledge of Here are the names and dates of the inquiries : 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 XXXXXX/XX/XXXX According to the FCRA 15usc 1681 cc2 that the " agency '' information appearing on my credit report if stemming from a result of identity theft and fraud must be updated and deleted.

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 2024-11-13 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: WI

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.

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 2024-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XXXX I was notified that my homeowners insurance was increasing. Lakeview has their system structured to always pass along the largest payment increase possible to the homeowner. So, they pay the full insurance increase for the year in advance and then charge the homeowner double the increase each month. It was confirmed to me by a staff member there, that they do this in hopes that it will cause the homeowner to default, so they can steal their home. The increase in my insurance was set to cause my monthly payment to increase from {$1500.00} per month to {$2100.00} per month. So, I changed insurance carriers immediately and requested that Lakeview do an escrow analysis with the new insurance premium. It came back still at {$2100.00} per month, despite a much lower premium. I asked and they said it was because they had paid the premium up front and had not been reimbursed. So, I contacted the insurance company, and they confirmed that they had received {$7500.00} from Lakeview. The insurance company sent me a check for XXXX, which I deposited and then contacted Lakeview to make the payment to them. They said that amount was low and that I actually owed them {$7700.00}. So. despite the fact that that was more than they paid, I went ahead and paid them {$7700.00}, just to be 100 % sure that I was completely paid in full. Then I asked them to do another escrow analysis, so I get my new, correct payment amount updated on the website. While I was on the phone with them, I asked for a quick calculation, and they said it should be approximately {$1600.00}. I waited two weeks and then checked the website yesterday and it still showed my payment due as {$2100.00}. So, I called today and asked why my payment had not been updated. This time, they said it was because I owed them money from property taxes. I am a XXXX XXXX XXXXXXXX Veteran and do not pay property taxes. So, how is it possible, that I owed this this inflated payment, first because of an insurance increase, then, because of the Insurance refund, then I owed them more than the amount that they paid for the insurance in the first place, and now because of property taxes, yet the exact amount that they say that I owe them has never changed buy XXXX single cent? I finally went ahead and paid the {$500.00} overcharge today, so I would not be in default. However, that makes a total of {$750.00} that I have been forced to pay them, that they have no logical explanation for! I am a XXXX Veteran, on a fixed income, and they are stealing money from me and trying to steal my home!!!

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 2024-11-13 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-13 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
a loan was taken out in my husband 's name by someone and they have not allowed us to see the paperwork they have continually let hackers access to our accounts even though we did everything they asked us to do to protect the account they have repeatedly reversed provisional payments which were obviously fraudulent they did not send a cashiers check for the positive balance in our checking account they continued to subtract money which they said they would not they allowed access to our checking and savings over and over even though they new it we were having trouble with a hacker they did not monitor the accounts they closed our account with no warning and we can no longer see what they have done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IN

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MO

Complaint narrative:
After going through my credit report, I identified a few late payments that appear to be billing errors. Could you update my account to remove these inaccuracies? 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 2024-11-13 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX XXXX | XX/XX/year>, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft 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 2024-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
XXXX company put me in collection for something that isnt mine. I was never billed ore made aware of such debt and it went straght to collection and my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

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.

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 2024-11-13 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:
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items 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 explanation