vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: The Savings Group, Inc.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Rategenius, as facilitated through XXXX XXXXXXXX XXXX auto loan refinance function on their app. I applied for an auto refinance loan based on an advertisement that promised a XXXX XXXX  monthly payment with a 6.41 % interest rate. 

However, upon interacting with a Rategenius representative, I was only offered a monthly payment of {$490.00} with an interest rate exceeding 9.5 %. This significant discrepancy between the advertised terms and the actual offer constitutes false advertising. 

Notably, the loan agent conveyed that achieving the initially advertised interest rate was unattainable, despite my credit score being a solid XXXX at the time of application. This raises concerns about the accuracy and legitimacy of the advertised terms. 

I believe I have been misled and subjected to deceptive practices, resulting in unnecessary hits to my credit score and wasted time. I kindly request that your agency investigates this matter promptly and takes appropriate action to rectify the misleading advertising practices employed by Rategenius.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: SC

Complaint narrative:
The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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 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 non-monetary relief
Consumer complaint received 2023-12-19 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: SC

Complaint narrative:
The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax 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 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 2023-12-19 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-19 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-19 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I pulled my credit report on XX/XX/ and found a charge off from TOYOTA MOTOR CREDIT. Despite that this account shows as a charge off, and is closed you continue to report it as late ever month including last month. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to fix it you are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Through Cash App, a friend paid me money he owed me : {$120.00}. I transferred the money in error to a closed Debit card with XXXX XXXX  whom I still bank with. I contacted XXXX to verify the transfer and they said it would be returned to my account at Cash App. To my knowledge that has never occurred. Despite multiple contacts, all they have done is closed my complaint and kept my money. They did respond to emails with simply, They will investigate but there is nothing they can do and then they close the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: AZ

Complaint narrative:
I received an alert for a company I did not provide my consent to. XXXX XXXX is a fraudulent inquiry please remove immediately

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 2023-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Business and Consumer Solutions.
State: MS

Complaint narrative:
On XX/XX/2023 I received a phone call from FBCS , Inc who stated XXXX XXXX sold my debt on behalf of Avant. In this recorded call the woman told me I can pay in 12 month increments to satisfy the debt. I told her I didnt know XXXX XXXX XXXX my debt since Ive received no correspondence and asked her to send me a written statement to my home address. She began yelling over the phone asking me when I was going to pay the money like I owed it to her. I again told her to send me a letter to my home verifying the debt and the offer to pay over time. She still yelled and asked when I was going to pay. I have blocked them and they better not reach out again. She was disrespectful and disgusting. Id like them to send mailed correspondence from now on with that attitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 
These are clear violations of my federally protected consumer rights.

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 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
This is pretty much a continuation of the complaint from 5 years ago # XXXX, where my lender does not apply principle only payments. Now they are sending the payments back to me. I have been sending {$36.00} principle only payments to XXXX XXXX XXXX XXXX, XXXX XXXX, Attn : XXXX XXXX only, XXXX, XXXX XXXX since XX/XX/XXXX at their direction. My XX/XX/XXXX bill pay check was delivered, they took it out of the bill pay envelope, put it in a XXXX XXXX XXXX envelope and returned the check to me. Why didn't they accept the check? I have 2 more principle only payments waiting to post. Do you have a new address you need these sent to? What is the malfunction? I called XXXX in the mortgage dept XX/XX/XXXX and she was researching it and supposed to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
We requested removal of PMI once we reached 20 % of the original loan amount paid off in XXXX of XXXX. We received a denial letter stating we had not met the principal required payoff amount, so the cancellation would require an appraisal to base it off of current value instead of the original loan amount. We then made additional payments in XXXX and XXXX to meet the requirements bringing as to more than 22 % paid on the original loan amount instead. 

When we requested the PMI removal in XXXX we received this response, " We are unable to honor your request to cancel the PMI for the following reason, an automated valuation model ( AVM ) for the property value is not available at this time. The investor, XXXX XXXX, requires that a valuation be completed to determine eligibility for early PMI removal. '' We are not requesting early PMI removal, we are requesting standard PMI removal once the 22 % paid on the original loan threshold was crossed. 

I called and spoke to a customer service representative at Freedom Mortgage ( who's ID # I retained for my records on XX/XX/XXXX at XXXX ). After waiting on hold while she reviewed our account, I was informed that what the response " actually '' meant was they were sending a form for us to complete to request the removal of PMI. Part of this request would include an additional fee of {$150.00} to have a XXXX agent come out and assess the property. Freedom Mortgage stated that because our mortgage is a XXXX XXXX XXXX backed mortgage, which until now was not disclosed to us, that this was mandatory. 

What Freedom Mortgage will not explain at this time is why this process is necessary, even though we have met the original loan requirements and filed multiple formal requests. Both the Freedom Mortgage and XXXX XXXX websites outline this process, and Fannie Mae is not able to enforce more restrictions on PMI than standard mortgage lenders. Until now our requests have been denied without follow up, other than telling us of alternative options with the XXXX. The last movement on this process was that Freedom Mortgage stated They would send the form, we would have to return the form with the {$150.00} and they would schedule a XXXX agent to come out and assess the property.

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 2023-12-19 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: MD

Complaint narrative:
I have repeatedly informed Experian that I have NEVER lived at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Experian continues to list this inaccurate address. Again, I have NEVER lived at this address : 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 2023-12-19 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: FL

Complaint narrative:
To Whom It May Concern, I trust this letter finds you well. I am writing to address concerns regarding inaccuracies in the reporting of my personal information on my credit report. 

Upon recent review of my credit report, I have observed discrepancies in the information associated with my profile. While my current residence, as of the date of this letter, is accurately reflected in the address listed above, I have identified errors in the reporting of my date of birth and name. 

In light of this, I am reaching out to rectify these discrepancies promptly. To facilitate the correction process, I kindly request the following actions be taken : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/XXXX  Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The presence of outdated addresses is posing challenges in verifying my identity and adversely impacting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Recognizing the importance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving these discrepancies will significantly enhance my ability to conduct financial transactions seamlessly. 

I kindly request that you investigate and address this matter within the timeframe stipulated by law. I anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I value your cooperation and assistance. 

Sincerely, 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
Consumer complaint received 2023-12-19 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: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington bank received an application for pre-approved credit. The property was taken and I got nothing in return. Bank has opened an account ( id # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand Huntington bank to present credits to the United States Treasury for securities for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: North State Acceptance, LLC
State: VA

Complaint narrative:
I recently reached out to North State Acceptance to cancel both my Gap Insurance and Service Contract as I wanted to pay off my vehicle, a XXXX XXXX XXXX. I spoke with a Few different people at this location concerning the cancellation of the GAP and Service Contract as well as receiving the payoff for the vehicle. I was told on XXXX separate occasions that the payoff amount was {$7400.00} and that the amount was good until XX/XX/XXXX. 
I submitted a cashiers check for the amount and it was delivered to ther po box , the billing address that I found on their website on XX/XX/XXXX. 
I received a phone call from XXXX of the ladies at your office on XX/XX/XXXX and was told that the check that I had mailed wasnt enough to cover the amount owed. She said that the mail wasnt checked until XX/XX/XXXX and went further to state that the number that was provided by the company ( on XXXX different occasions as we wrote the same number down XXXX  ) wasnt the amount that I was provided. 
She also said that she was holding the certified check, drawn from my bank and wasnt sure what she wanted me to do with the payment but then also later said that if the account wasnt paid that it would go into repo status soon as she had the {$7400.00} check in her possession. 
The check for {$7400.00} is in fact the number that was provided to me on XXXX separate occasions, spanning XXXX different days. I asked her numerous times how she came up with the number that she was saying that I owed, and never got a straight answer. I speculate a few different ways in which she came up with the number that she said, and since she couldnt or wouldnt tell me. 
I purchased the automobile in XXXX of XXXX, under the contract it states for a term of XXXX  months, BEGINNING in XXXX. They even mailed a coupon printout payment book. They received on XX/XX/XXXX the payment that was due on XX/XX/XXXX. I was also charged interest on a cancelled gap and extended warranty that I cancelled within the free look period.. 
I also am aware how the Rule of XXXX works in financing as well, and having an understanding of this practice - the numbers don't equate to what I was charged, given the contract, removal of optional insurance, payment begin date, etc. 
Looking at my credit report, I purchased the car on XX/XX/XXXX, - I made a {$3000.00} down payment and their reporting I had come due a payment of {$340.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : 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 non-monetary relief
Consumer complaint received 2023-12-19 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: NJ

Complaint narrative:
Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TX

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief