vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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 accounts 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/updated. 

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.

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!

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 2024-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Our original Mortgage servicer was XXXX XXXX XXXX. We were approved for a trial payment plan in XX/XX/year> that once completed would approved us for a forbearance of the payments we were behind. We successfully made those payments in XX/XX/year>, XX/XX/year>, and then the last trial payment was due in XX/XX/year> but our Loan got transferred over to a new servicer call PHH Mortgage. We contacted them promptly to make the payment however they informed us they were awaiting the documents with the trial payment and forbearance information to be sent over to them from XXXX XXXX and so we could not make our payment until that was sent to them. We then contacted them again in XXXX and told them we need to make the final trial payment to ensure our plan was not broken and so we sent it to PHH electronically to them in XX/XX/year>. We had had several issues with mis information from PHH because now they are claiming we did not meet the criteria of the payment plan. I have had to personally contact XXXX XXXX to confirm that we made the payments and that we successfully completed the trial payment plan in which they say we did but PHH states that information has not been sent to them nor do the payments we made have been reflected on our account. We are now being threatened with Foreclosure by PHH. I have requested that PHH reach out directly to get proper information from XXXX but they are refusing to do so. The documents showing the terms of the trial payments and that the payments were made, I requested from XXXX XXXX last week Thursday have still not been sent to me after my several request by telephone and email. PHH refuses to help in any way and their representatives constantly provide inaccurate information causing much confusion with getting this situation corrected. We need help with getting this resolved. We just want our payments and forbearance terms to be communicated properly to PHH as well as not be mis informed on how we can make our payments going forward to PHH because they have stated since the account shows delinquent we can not make any payments at all. We do not want to loose our home nor have it go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-16 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: FL

Complaint narrative:
Fraudulent applications were submitted using my personal information. Remove fraudulent 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
Consumer complaint received 2024-10-16 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
Vehicle repossessed on XX/XX/year>, asked for DEFIECIENCY STATEMENT FROM Quality Acceptance LLC, they failed to send statement. Never received anything from company. Company still reports inaccurate information to the 3 major Credit Reporting AgenciesXXXX XXXX, XXXX XXXX XXXX as " Charged Off '' with inaccurate balance reporting. Vehicle had gap insurance coverage and balance owed is FULLY INACCURATE! 
FCRA 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
My account with XXXX XXXX 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 XXXX, XXXX, AND XXXX 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. 

XXXX XXXX  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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION ; XXXXXXXX XXXX XXXX have me listed as NAMES that are NOT my name. AND they have ALL different addresses that are not my current address. 

I recently sent all 3 of these companies a COPY of my current State of New Jersey Drivers license with my Full Legal Name and Current Address for them to update their records and they have not. 

Also I do not have ANY alias or Also known as Names, these ALL should be DELETED IMMEDIATELY with these addresses that do not belong to me.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX ; XXXX AND EXPERIAN have me listed as NAMES that are NOT my name. AND they have ALL different addresses that are not my current address.

I recently sent all 3 of these companies a COPY of my current State of New Jersey Drivers license with my Full Legal Name and Current Address for them to update their records and they have not.

Also I do not have ANY alias or Also known as Names, these ALL should be DELETED IMMEDIATELY with these addresses that do not belong to me.

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 2024-10-16 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: OH

Complaint narrative:
XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX Equifax XXXX XXXX {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$740.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: OH

Complaint narrative:
XX/XX/XXXX MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIRST COMMUNITY MORTGAGE, INC.
State: MI

Complaint narrative:
I had been denied from 2 other mortgage companies to purchase a home. Listing agent wanted me to get a 3rd opinion from her preferred lender which at the time I was not aware they were close/best friends. 

In good faith I sent lender all my personal information to overview the file. And ask to not run my credit if there wasn't a good chance at getting approved. After reviewing the file, he verbally told me over the phone that I wouldn't qualify for a conventional loan. He then told me that he had a non-qm bank statement loan with similar interest rates. I sent my bank statements in good faith not knowing this was a trap. 

Before lender got back to me, I sent in writing that I didn't want him sharing any of my personal information, finances, options or anything pertaining to me with anyone. 

Lender than asked me to send him my XXXX XXXX XXXX  1099 's. I called him, he didn't pick up and texted him to call me but didn't get a response. A few minutes after not getting a response I texted lender that I didn't want to look at any alternative options anymore. 

After receiving this text from me he kept on being very persistent that I would be approve with a conventional loan. I repeatedly told him I was no longer interested and yet this lender kept messaging me and even provided a " conventional pre-approval letter '' but leaving out bank statement non-qm loan wording out. On this email he states that he still needs a hard credit pull and an application signed. 

A couple days later I received an email from listing agent with this " conventional pre-approval letter '' demanding I close on a house I don't qualify for because this incompetent lender shared my personal finances and violated my confidential privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: SC

Complaint narrative:
I was made aware a XXXX XXXX account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: SC

Complaint narrative:
I was made aware a XXXX XXXX account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: SC

Complaint narrative:
I was made aware a XXXX XXXX account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on 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 2024-10-16 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: PA

Complaint narrative:
My information was exposed in the date breach. Please remove all fraudulent accounts and inquiries within 4 days under section 605b of the Fair Credit Reporr Act ( FCRA ). 

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

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 2024-10-16 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief