vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
Sofi used to be great, but after almost a year of having my statement balance charged to a bank account that doesn't exist anymore in error, having the support give me multiple tickets on this issue, And now getting hung up on twice while just trying to explain the issue I've been having I don't believe that Sofi is capable enough to be a banking company. The issues i've had have caused my credit limit to lower even when I pay my balance well before the due date to assist with the error that they could not fix in their back end system. It has caused my credit score to plummet due to their negligence. Regardless of how many times I have called each month to get this issue resolved, updating the app, going online, I am met with hang-up after hang up. I'm just trying to get answers. I'm at the point of letting what I owe go to collections to deal with someone who is more capable of handling payment processing. SoFi 's customer service was great for about a year in the beginning when they first opened. But now I met with hostility and anger after keeping a very calm tone in giving all of the information I can to anyone who will listen. I'm a non-aggressive person, and I really like so phi. As a bank, but I need help to resolve this issue and no matter what I have done after sending pictures and mountains of proof that there is nothing that I can do on my end, I am told nothing and get nowhere and suffer due to they're incompetence. The lady that I recently got hung up on was rude. There was silence while I tried to explain the situation and before I could finish the line when it dead. This was after talking to one guy who seemed very knowledgeable but then when talking to him, the line went dead after he began talking about issues that could potentially be with my phone. The only reason I have had to use this credit card and rely on sofi service was because of the medical bills that I needed to pay for that are still not paid for in full. I have called them sometimes multiple times each month since XXXX and have been having the issue since XX/XX/XXXX of last year. They have created 2 tickets, XXXX & XXXX, and have said they pushed out an update months ago that shouldve fixed the issue this last time I spoke with someone today. My credit limit was lowered by XXXX which caused a massive hit to my credit score. After explaining that I have no way of shutting of the statement balance auto payment that keeps directing to a debt account I used to have with them but closed prior to any auto payment being set up, I am ready to let this amount go to collections to save myself any further hits or issues from this bank and deal with someone who is better at processing payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Notice of unjust enrichment and claim of security interest In reference to the letter of denial concerning application reference # XXXX On the date of XX/XX/2024 For the credit card. 

I am seeking equitable subrogation of the securities account held in custody of AMERICAN EXPRESS. This is a claim for security interest and the principal amounts owed on the security. 

As the security application was endorsed by a private XXXX, XXXX : XXXX was transferred via deposit of bailment into the trust holding AMERICAN EXPRESS notes . and then they are transferred into the custody of the AMERICAN EXPRESS TRUST for further securitization purposes. 

The original endorser, XXXX : XXXX endorsed a private security currently held in custody of the AMERICAN EXPRESS trust the application security was endorsed by the private American, the securities intermediary, American Express , became the custodian of the application security for the security entitlement holderXXXX XXXX XXXX XXXX  As an applicant/ securities investor, its unlawful for AMERICAN EXPRESS to withhold claimed secured funds, from the investors as that defines unjust enrichment for the corporation AMERICAN EXPRESS. The principal amounts of the security are owed to me, the private XXXX XXXX, and primary beneficial interest holder of XXXX XXXX, a debtor organization. 

Please deposit said funds immediately into zelle account : XXXX for XXXX XXXX And send notification of deposit via email to the aforementioned email address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Beneficial Interest Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX account XXXX. Was open fraudulently after my XXXX was stolen I have contacted all partys including XXXX XXXX and all XXXX credit bureaus at XXXX point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal XXXX XXXX report with law enforcement and attached a copy of the report to this complaint

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX account XXXX. Was open fraudulently after my XXXX was stolen I have contacted all partys including XXXX XXXX and all XXXX credit bureaus at XXXX point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal XXXX XXXX report with law enforcement and attached a copy of the report to this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX account XXXX. Was open fraudulently after my XXXX was stolen I have contacted all partys including XXXX XXXX and all XXXX credit bureaus at XXXX point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal XXXX XXXX report with law enforcement and attached a copy of the report to this complaint

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? XXXX  of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I recently took out an auto loan with American credit acceptance LLC. After further investigation of my contract, I have came to a realization that they are in violation of several consumer laws. 
( 1 ) One being, they are not licensed to collect in my state. This was taken from the XXXX website directly. There should be a unique identifier showing that they are licensed in my state. I found the nationwide license ID displayed on their website, plugged it into the XXXX website and found nothing pertaining to my state. 
( 2 ) I also did not receive my gramm leech bliley act during the signing of my paperwork. This pertains to the company giving me the option to opt out of having my information shared to the credit reporting agencies.

( 3 ) I was also told that it was mandatory for me to put a {$1000.00} payment down to receive my vehicle. Which when it comes to finance charges, cash is not mandatory per 15 USC 1605 labeled under determination of finance charge. The definition of a finance charge states the following Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
( 4 ) I am also being charged well over the usury law for my state. The usury law from my state is capped at 16 % and I am currently being charged a 21 % APR. 
In the following attached documents, you can see that this company is not licensed in my state. You can also see the dealership which recommended the financing company. In addition said financing company partook in deceptive practices by having it appear that I needed to sign off on the negative credit reporting in order to receive my vehicle. I was never given an option to opt out of having my loan reported on my credit. There is also an attached document showing the confirmation of my XXXX XXXX down payment. This down payment was sent to XXXX, although XXXX explain to me that it was a requirement of the bank in order to receive my vehicle. You can also clearly see in the attachment that reads law XXXX and XXXX that my APR is indeed 21 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX  has been on my credit report for over XXXX  years and they compy will not remove it, per the fair debt collection reporting act I have contacted the company and they have failed to remove it, XXXX is XXXX  years from XXXX, XXXX  I want this company to remove the negative item off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX  XXXX. Like a thief in the night, unseen hands had stolen my XXXX information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST COMMUNITY MORTGAGE, INC.
State: MI

Complaint narrative:
I submitted my XXXX Veteran exemption decision paper to my mortgage company ( First Community Mortgage ) on XXXX of XXXX and they advised my that the request will be done not later than XXXX of XXXX and I followed with them by phone on the mentioned date and they confirmed that the exemption is been approved from the tax department on the company and next step will be the escrow re analysis in order to correct the number and apply the new numbers and they advised me that anticipated finish date for the re analysis is today XXXX of XXXX. 
After a long no professional call the told that the request been closed yesterday without applying the exemption!! 
I am totally frustrated and I need help in this case. 
Also I want to mention that I had similar situation with deferent mortgage company and previous home exemption I did for 4 consecutive years and It was as smooth as just submitting my exemption and I notice the change in my account online after 2 weeks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a victim of Identity 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I believe that experian is breaching my account internally. My account has been hacked at the beginning of each month with no signs of breach on my end. All my passwords email and number verification are getting bypassed and the breach is occurring when your customer service is down. The only answer is that their company is internally breached by employees

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX CBNA

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries, as I lack any relevant information, and the company proceeded without my approval.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and notice accounts that I am not liable for the debt and do not have contracts with these credit agencies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed my credit report and notice accounts that I am not liable for the debt and do not have contracts with these credit agencies. 

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