vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it 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 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 information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: PA

Complaint narrative:
HOW IS THE ACCOUNT OPEN CLOSED CHARGED OFF AND HAVE A PAST DUE BALANCE.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX of 2023, the mortgage servicing company requested a copy of our insurance policy which we provided. The servicing company then asked us for the previous 2 years of proof of insurance for the property. We provided the requested documentation. 
They audited the insurance coverage and discovered that there was a 3 month gap in the insurance coverage due to a clerical error on the insurance company 's part. Our annual insurance rate is XXXX per year for this property. The mortgage servicing company claims that they retroactively placed insurance for this 3 month gap, 2 years after the fact and were charged {$3100.00} for this 3 month gap. We disputed this fee as anyone involved which insurance knows that you can not retroactively add insurance for a time period that has already lapsed. We contested that this {$3100.00} amounted to a punitive fee to which they were not entitled. Even if the Servicing company had the ability to issue fees and punitive penalties for the 3 month gap, it should reflect the actual cost of that insurace which was {$110.00} per month X 3 months for a grand total of {$330.00}. Instead they levied a fee equal to 10 times the actual cost and they claim that this is what they had to pay. We have asked to see this fictitious policy and they have refused to send it but send us form letters stating that our request is under review however they never produce anything. They proceeded to add the {$3100.00} to our mortgage balance in spite of the fact that this is a fictitious charge and is being disputed and they go into our bank account and adjusted our mortgage payment to reflect a new payment which has amortized this {$3100.00} charge over the next 12 months. 
This is absolute theft and we request that this be investigated. 
1. The Mortgage service company SPS does not have the right to issue punitive fees 2. Fees for insurance coverage for a gap period must not be 10x 's the actual cost of coverage 3. SPS, nor any other mortgage servicing company can retroactively place insurance for a lapsed period as insurance is a forward facing service. Therefore the charge is actually not insurance but a punitive fee which they are not entitle to charge nor collect for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Residential Loan was transferred from XXXX XXXX to New Rez in the last quarter of XXXX. New Rez inaccurately established required additional funds for escrow and insurance. I was forced to pay the additional monies took keep from being noted as past due. New Rez was contacted several times and thus concluded they were in error. 
After XXXX months of trying to get my funds reimbursed, I finally received this email from New Rez. 

" According to our records, check # XXXX was issued on XX/XX/XXXX, for the XXXX XXXX in the amount of {$930.00}. Please allow XXXX to 15 days from the date of disbursement to receive the refund check. 
We would like to apologize for the delayed response and any inconvenience this issue XXXX have caused. It is our goal to provide you with exceptional service, we hope this email addresses your questions and concerns. 
If you have any questions or concerns please contact our customer service team at XXXX. '' Never received the monies and continued to contact by email. With the same response as, " we are looking into it. '' Having been a XXXX Bank XXXX and XXXX of XXXX XXXX 36 years, several concerns come to light. Lack of training, poor management with possible lack of background to conduct oversight. Volume of problems. Forced placed insurance? Is this an Affiliated Business Arrangement/Ownership? Proper ongoing escrow analysis. Solvency of the servicing agency. More regulatory oversight may need consideration of review. It is noted companies have spun off to warehouse more residential loans. Volume of servicing problems should not be to the extent they are. I noted XXXX on the site as well. Elementary mistakes create extensive problems for those noting overdue in payment history thus now affecting the credit rating which affects interest rates and insurance.

New Rez has admitted to the mistake but the monies were never received. The email will be attached with the complaint. 

I took the time to point out possible need for more investigative oversight to seek possible means of enhanced education and proper management and oversight of risk to reduce consumer issues. The next wave of refinances are closely approaching as rates fall. Let 's be prepared.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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

Company 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: NY

Complaint narrative:
After carefully analyzing my credit report, I identified several accounts that I believe are fraudulent and were added without my consent.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with Experian 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 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.

Experian 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Last XXXX XXXXXX/XX/XXXX, I went in person to my local branch to open a checking account. Everything went well and I deposited a cash advance check for {$1400.00}. Everything was perfect until a couple days later which is today XX/XX/XXXX, they have locked my mobile access app and any login attempts to my account because they believe it has unusual activity so its locked. I called to ask that the XXXX is the problem because I just opened this account few days ago, my check cleared and their was no problem so whats going on!? They tell me that they cant verify my check because they need a phone number to match the check company? So I said okay, I provided the customer service number for XXXX XXXX XXXX based in XXXX  the number, the address, time and dates of everything and they refused to call for verification!! They said oh we cant physically call ourselves to confirm it has to be a phone number in their system and its suppose to match like XXXX? I told them go on XXXX because Im looking at it on my laptop and my paperwork signed contract and it has the same information.. so what cant you match??? They proceeded to tell me the system didnt have a number certified to it so they had no way of verifying the check? THEY COULD HAVE JUST CALLED! THEY COULD HAVE GOOGLED IT! WITH ALL THIS XXXX TECHNOLOGY AND KNOW HOW, these XXXX  have seemed to focused their energy on nothing when a simple phone call could have verified the check and myself or better yet they could have done this when I first opened the account in person!!!!!!! 

You can understand my frustration. The check and account are legitimate but XXXX  in the corporate world is the new norm. I want my account back online and fixed. I also want to them to written up for their XXXX. This is getting out of hand especially when I have a XXXX figure settlement coming. I cant trust any of these banks to do XXXX right I need your help to set the standard again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
someone went and got phones in my name at XXXX XXXX store with out me even knowing about it use my identity for everything

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX someone accessed my online bill pay and stole the balance of my checking account {$9300.00}. I filed two claims with Wells Fargo and both claims were denied.

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 monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BTH Management
State: GA

Complaint narrative:
I have contacted Plaza Services , LLC regarding an alleged debt in their office for XXXX. I requested the following information to determine next steps : XXXX. To whom do you think I owe this debt and what amount do you claim I owe? 
a. Provide the name, address and account number for the original creditor, in addition to the amount owed. 
b. If this debt started with a different creditor, please also provide the following : i. Provide the unique Registered Account identifier ( Registry ID ) that was assigned to this account by the GDR and the IRR Report ( Initial Registration Report ) XXXX. Provide the accountlevel Chain of Title Report that shows the history of this account, referencing each previous PCN and transfer, from registration to the current sale or placement and the TOR Report ( Transfer of Ownership Registration Report ) iii. Provide the AHR Report ( Account History Report ) for this account NOTE : Any and ALL assignment ( s ) must clearly establish that my account was included in said assignment. A general assignment of accounts will not/does not satisfy this request. 

XXXX. Please provide a valid basis for the debt, such as the original contract between me and original creditor. 
a. Provide the date the debt became delinquent and the date the last payment was made. 

XXXX. Provide a copy of the last billing statement from the original creditor. 
a. If any fees or additional interest charges have been added to that statement, b. Explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

XXXX. If any payments were and/or have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

XXXX. Please confirm whether your agency has a debt collection license in XXXX? 
a. If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. 
b. If you do not have a license, please explain why. 

This agency has not provided the aforementioned information requested. Furthermore, they are not licensed in the state of XXXX to collect on this alleged collection account. This information was pulled via https XXXX XXXX XXXX also attached )

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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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