vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: MO

Complaint narrative:
This isn't a request for " verification '' or proof of my mailing address, but request for Validation made pursuant to the fair debt collection practice act 15 U.S.C. s 1692g.

-Date of last activity -My full, complete and correct social security number that may help to identify me as the correct person.

-Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
-The obligation between you and I that allows you too collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 
-Letter of sale or assignment from the original creditor to your company. 
-Under FDCPA section 809 ( b ) you are not allowed to pursue collection activity until theses debts is validated. You should note this not a request for " partial '' validation but rather, a request for everything listed here in order to constitute full and sufficient validation of theses debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate XXXX  XXXX Account Information on My Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported by XXXX  XXXX on my Experian credit report. The specific details of the disputed account are as follows : Creditor Name : XXXX  XXXX Account Number:XXXX  Amount Reported : {$0.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and Experian is obligated to conduct a reasonable reinvestigation of this disputed information within 30 days of receipt of this notice. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy in the information they report. 

The information reported by XXXX XXXX is incorrect and materially affects my creditworthiness. Therefore, I am requesting that Experian immediately initiate a reinvestigation into this matter and correct or remove this inaccurate information. 

Attached, please find copies of documents that support my position, including account statements, payment receipts, and correspondence with XXXX XXXX, demonstrating that the information currently reported is inaccurate. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the disputed information, I expect Experian to promptly delete or modify the incorrect information from my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and a copy of my updated credit report once the inaccuracies have been addressed.

Please be advised that failure to comply with these obligations under the FCRA may result in legal action to enforce my rights.

Thank you for your prompt attention to this matter. I expect a thorough investigation and resolution of this dispute in accordance with the FCRA 's requirements. 

Sincerely, 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: NY

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 XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I was in and out of town for a XXXX  due to my XXXX XXXX XXXX  XXXX  and my kids were with me. Then I was out of the country for XXXX  days. My email and phone were hacked and took time to get them back but didn't notice anything bc I was stressed and not paying attention to email. Someone used my card to have over XXXX shipped to my house but also picked it up. I would never know. We generally are not home a lot, especially during this time and I work a lot. Other people told me this is the latest thing. You can look at my credit history and see I have never spent that much money in a couple weeks on what looked fluke clothes. I don't spend that in a year. I have XXXX kids I'm helping through college. Been doing it alone and now more than ever, plus XXXX XXXX. I can not afford to pay for something I didn't do. It's been a XXXX enough year now this. Please help. I already had life lock so I thought they would alert me. I thought life lock was enough.

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 2024-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On Friday, XX/XX/scrub>XXXX XXXX  I logged into my SoFi account where I have a personal loan at a rate of 9.18 %. Interested in consolidating some other credit card debt, I applied for a new personal loan. SoFi 's online portal originally gave me an offer of an {$81000.00} loan at an 18 % interest rate and a 5 year term, with a screen that reflected " {$81000.00} will be deposited into your bank account ''. 

The loan went to underwriting and later the same day around XXXX I received a call from someone at SoFi who said they were reviewing my loan application and they had an offer for me. The new terms were {$81000.00} at 17 % interest rate but a 4 year term vs the 5 year term originally applied for. I verbally agreed to the shorter term at the lower rate and the agent said that they were going to send me docs to sign. 

What was not disclosed to me was that part of those new terms were refinancing my prior loan at SoFi which has a roughly {$50000.00} balance into the new transaction. I received the digital signature page while driving and signed it based on my conversation with the agent. 

This morning I logged in to check on the status and noticed now on the a full computer screen vs my phone that they had refinanced the previous 9 % loan into the new 17 % loan. I would never have agreed to take the loan had I been clear on those terms. I contacted SoFi and asked them to cancel the loan as they had not funded it yet. They refused and pointed to the TILA disclosure which I had signed on Friday evening which in a box below the signature loan shows that they were rolling the old loan into the new one. Roughly 3-4 business hours had elapsed since my signing of the document. 

Ultimately I suppose I should have read further down the TILA document but at the same time I can't help but feel like the SoFi agent was intentionally deceptive in not fully describing the change. They still refuse to cancel the new loan even though it hasn't funded yet. My intent of refinancing some credit card debt into a term loan at a lower rate has now backfired completely. SoFi took my 9 % interest rate loan and turned it into a 17 % interest rate loan. This is a huge interest hit and financial nightmare. I'm trying to get out of debt and this has effectively made the problem worse. Its predatory practice to refinance lower rate debt to much higher rate debt and conceal those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

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 2024-09-23 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: WA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My partner opened a XXXX credit card with 5/3 Bank in XXXX. As an authorized user, when we received the welcome package with two credit cards, we thought because the two cards belongs to the same credit account, there were two cards with different names, but the same acct number. I registered the credit card on the app and the system allowed me to do it and I verified all the documents and it did not says that the card that has to be registered on the app is the Primary not the Auth user card. I ( Auth User ) verified constantly the 5/3 App to see the Acct Balance, Due Date, Minimum Payment, etc and it shows 0 ( zero ). Also, we didn't received in the mail the account statement, nothing. Yesterday, XX/XX/year> the Primary received a phone call from a Collections Dept telling him that the XXXX Account is past due. When he called me ( Aut User ) and he told me the last 4 digits of the credit card I told him, it's impossible, because the last 4 of my card are different and I'm still waiting for the statement and I didnt received anything. I called today XX/XX/year> to Customer Service because it's closed on Sundays and I asked for a Supervisor ( XXXX ) I asked and she identified herself as the Customer Serv Dept Supervisor. I explained to her all the situation and it surprises me that she didn't verified why we didn't received the statements by mail, the status of the account, nothing. I know that is a right of the customer to know all the details related to the account and the bank is required to verify everything related to the account and proced to Rehab the account. ( New credit acct, cust didn't received statement, cust didn't know what credit card he needs to register on the app, he don't know anything about the acct ). The Supervisor ( XXXX XXXX was talking over me, Several times during the call she threatened me that she was going to end the call when I asked if he could transfer me to a manager or whoever the customer service manager was and she categorically said no. She refused to give me any information. She was in a challenging attitude during the call and I even told her that she could not threaten me that she was going to end the call and even less deny me information, that those two reasons were grounds for corrective action against her because she was acting against my interests as a customer and greatly affecting the bank she represented and she simply did not care and hung up and did not resolve my problem and I told her that I am going to go to the bank directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to formally file a complaint against Truist Bank regarding a distressing experience I encountered on XX/XX/year>, while attempting to open a new account at their XXXX, XXXX XXXX branch. On the aforementioned date, I deposited {$10000.00}, and while the check cleared, I received a letter notifying me that my account had been blocked and closed without any explanation. In my attempts to resolve this matter, I reached out to the bank multiple times and met in person with XXXX XXXX XXXX, the Vice President Branch Leader III. During our conversation, I expressed my concern that I was experiencing discrimination based on my race. XXXX XXXX acknowledged my concerns and recounted similar cases he had witnessed over his 20 years in banking, including one involving another African-American customer who had opened an account with {$70000.00}, only to have it closed without reason shortly thereafter. I am deeply offended by Truist Bank 's actions in closing my account immediately after its opening and their failure to refund my {$10000.00} deposit, which has remained unresolved for several weeks. The lack of communication regarding the closure of my account, coupled with the experiences shared by XXXX XXXX, leads me to believe that discriminatory practices may be occurring within the institution. This experience has been profoundly disheartening, and I have never encountered such overt prejudice throughout my life. I respectfully request a thorough investigation into this matter and appropriate action taken to address these concerns. Thank you for your attention to this serious issue. I look forward to your prompt response. My telephone number is ( XXXX ) XXXX, my email 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 2024-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX we were send paperwork to sign and notorize having been approved for a partial claim loan modification. We returned the required paperwork and received letter dated XX/XX/XXXX from our mortgage provider that they had all required documents and were waiting on documents from investor. Without any further clarification we received letter from an attorney stating our home would be scheduled for foreclosure with an auction date of XX/XX/XXXX. I have a confirmation from our account page stating that our decision was due by XX/XX/XXXXXXXX During this same timeframe our mortgage provider changed names from Specialized Loan Servicing to Shellpoint. The account site for SLS was no longer available after XX/XX/XXXX and now have to sign in through Shellpoint. They have not honored the partial claim modification for which they provided the required documents and we returned by the XX/XX/XXXX date stated on our account page. I am looking for assistance in cancelling the pending auction date while working with Shellpoint to resolve the original partial claim offer. I have copies of all documents for review. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-09-23 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-09-23 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief