vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Almost 2 years ago when my puppy needed a XXXX, I opened a line of credit with Care Credit, run by synchrony bank. I set an autopay far above the minimum payment. Then occasionally checked the list of Promotions, in case any payment is getting expired I would pay it off. I missed to do so for 3 months in 2022. Once I checked the statement in XXXX, I was charged almost {$500.00} interest. I have been charged almost {$1300.00} up to now. I called them to figure out where such a big charge is coming from. I was explained that right now I have {$3800.00} non-promotional balance, which is accruing interest ( I guess 2.25 % ) daily. I have never paid interest on a credit card and I thought I missed 1-2 months here and I can catch up. But their website and statements are designed in a way to confuse people NOT showing at all these accumulated debt. When I asked how can I pay to clear that hidden debt, I was told I can not pay directly. I have to " call '' and ask them to allocate an amount to the non-promotional charges. That being said, when you call the number behind the card, XXXX, there is NO options to talk to a representative. The machine just gives you the information of your statement. Then asks if you want it to be repeated, or be sent to your phone as a text message!!! I kept clicking 9 and 0 randomly, eventually the machine understood I want to talk to a person. The whole system is designed for people to fail, or give up. Statement is pretty deceiving, present you the minimum due and charges but NO clear way to understand why your total debt doesn't reduce.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ) account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy. 


15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy. 


15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONWIDE RECOVERY SYSTEM for committing identity theft.On XX/XX/2022 I received an alert from XXXX XXXX asking did I open an account? The message from XXXX XXXXa stated It looks like an account with NATIONWIDE RECOVERY XXXX was added to your XXXX credit report. I have never given NATIONWIDE RECOVERY SYSTEM ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from NATIONWIDE RECOVERY SYSTEM about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONWIDE RECOVERY SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONWIDE RECOVERY SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and NATIONWIDE RECOVERY SYSTEM will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX XXXX HAS PULLED MY CREDIT 3 TIMES XX/XX/2021 XX/XX/2021 XX/XX/2021 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF OF AUTHORIZATION.

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 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: REPORTS, INC.
State: TN

Complaint narrative:
On XX/XX/25, Reports Inc started calling at XXXX XXXX and called 26 times in a row in under 1 minute. I have the screenshots of my call log showing where they repeatedly called over and over. This is absolute harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: T.S. Holdings
State: AZ

Complaint narrative:
Hello Im contacting you guys because I have XXXX phone calls strange emails and notifications from credit bureaus about this debt collection that is not mine. This is completely fraudulent and I have never done business with this company. I need this to be removed from our credit bureaus immediately before I take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been dealing with Experian and have disputed an alleged debt that was sold from XXXX to XXXX XXXX. I am not claiming that this debt is mine ( I am looking into it ). But I am disputing what is showing on my credit report for now. I have disputed the date of last payment that is showing up on my credit report. I first disputed this on XX/XX/XXXX, and then on XX/XX/XXXX and lastly on XX/XX/XXXX, all of them came back as Remains with no changes made. The Experian credit report shows that the debt is new as of XX/XX/XXXX, therefore showing a fall off date of XX/XX/XXXX. Due to the first date of missed payment reported to Experian the date of removal from my consumer report is incorrect. Its as if the debt was started over just because the collection agency bought the old debt. In the correspondence ( collection letter & XXXX statements ) that came directly from XXXX Adjustments it clarifies that the due date for the account ending in XXXX was XX/XX/XXXX. This means that the last payment made was clearly before XX/XX/XXXX. XXXX XXXX also reported this debt to the other two credit bureaus but those are showing debt was from XXXX with a fall off date of XX/XX/XXXX. I have also attached a letter from XXXX showing that the alleged debt is XXXX days overdue ( almost XXXX XXXX XXXX ). This is in divergence to the date of XX/XX/XXXX reported on my Experian report. Experian has failed to investigate the dispute/claim, they say they have verified with the creditor and that the results Remain unchanged. They clearly did not consider all the verification that has been provided. Had they investigated the dispute they would have seen the evidence to show the collection agency is not providing the correct fall off date. This also insinuates that I have recently become delinquent with current payments to this so-called new debt. This is wrong and affects me terribly as some of my current credit card limit amounts have dropped. They are illegally hurting my financial well-being by re-aging and reporting late payments of this debt which is affecting any ability to acquire financing.

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 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
SUMMARY : On XX/XX/2022 my Wise.com [ Wise US Inc., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Compliance, phone XXXX ] account got hacked. Multiple unauthorized transactions were made to destinations outside the US amounting to US {$21000.00}. This is what I found out when I finally reached Wise in XXXX XXXX on XX/XX/2022. On XX/XX/2022 at XXXX pm I received an email with an Account Closure notification which triggered off my activities to contact Wise.

In the Wise terms and conditions they are committing to immediately send an email notification for each and every transaction being made online to review and make you aware of any fraud. This did not happen. Wise also has my phone number on file. They never called me. This is very poor Cyber Security service. 

I relentlessly contacted Wise by email, phone and certified mail explaining what happened and requesting a refund. Since XX/XX/2022 they never responded to me neither by email, phone or mail. In the attachment you can see all the details and dates. 

Note : How can you contact Wise.com : a ) XXXX phone number - nobody every answers The Wise customer service phone number you find on XXXX is XXXX with an automated response : " Hi, thanks for Calling Wise. Our phone lines are closed at the moment. Find another way of contacting us or check when our phone lines are open on wise.com/help. '' b ) Wise.com/Help : I could not use the wise.com/help as it requires you to log in, however Wise had closed my account. 

c ) I XXXX  Wise in XXXX, yes it worked on XX/XX/XXXX. I explained The person what happened, he promised to email an appeal form but never did. 

d ) I found address and phone number on the online Wise.Com XXXX XXXX XXXX for the US. I called them and explained what happened, he promised to email an appeal form but never did. 

e ) It is not possible to talk to Wise Compliance, you are blocked by the customer service and the customer service is of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
My identity was stolen and used to apply for apartments. The company now claims I owe {$16000.00} as of XX/XX/XXXX. This claim is based out of XXXX, Florida. I have reached out to the collections team and reported it as fraud and they have sent me the following steps to verify I was not the one involved in the process. The debt collection request came from Columbia Debt Recovery LLC DBA Genesis. The original creator was XXXX XXXX at XXXX and placed for collections on XX/XX/XXXX. Since learning of these issues I have signed up for credit protection and locked my account for further inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2022 I applied for a credit card via referral link sent by a friend, since I am a new green card holder here in the US and want to try increasing my credit score I tried to apply for this discover credit card and immediately I got approve without asking me if how long I have been living here in the US. I am so happy that I got approved to start building my credit score. However, when I got the physical card and activated it, knowing that I can already use it my first transaction was declined. So I immediately called the bank and ask why. So they say that I need to sign some documents so they can do a back check and its all fine with me. But the problem was they were asking me to provide a 3month bank statement until the XX/XX/XXXX of 2022. I called them again telling them that as much As I wanted to do that I can only provide a 2month statement until the deadline since I just arrived and started working here in the US just The month of XX/XX/2022. Then the only option they given me is to personally close the account or if I did not give them the requirements they need, they will automatically close my account even if I do not want it since either of those can greatly affect my credit score which initially the reason I applied for this is to build up my credit score as a starter. This is very frustrating on my part. They should have ask initially during the online application if for how long an applicant is currently residing in the US in that case that can immediately disapprove the applicant and not go through with process. Very disappointing. Me, together with my friends are now experiencing this situation that we dont want to happen when we applied. I tried calling them many times and they are just telling me the same thing, either close the account or they will automatically close it if we did not submit the documents they needed. Kindly help us with this discover credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PatientFi, Inc.
State: CA

Complaint narrative:
Scratch sold my loan to PatientFi, but on XX/XX/2022 they took the auto withdrawal from my checking account and as of this date has not provided the payment to PatientFi. I am getting harassing phone calls and letters from PatientFi. All PatientFi says is that it is just something automatic in their company, but I am not coming up on almost being 30 days late. No one is helping me at PatientFi, XXXX, and they just say that if they report it late then they will fix it. This is not acceptable to me. I paid on time, I do not want my credit report affected because these two companies can not figure this out. I have made several calls and requested to speak with a supervisor. I was told that it takes 3-5 business days for a supervisor to return a call. I am frustrated and upset. I worked very hard to get my credit back up and now they putting me in jeopardy. I just keep getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE TD AUTO FINANCE THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management XXXX, contacted me claiming they were the " legal '' in a sneaky way to imply they were lawyers. They demanded personal information without verifying/validating the debt. Then they filed suit, and in accord with my the Courts wishes I filed for " alternative dispute resolution '' - despite only authorizing the mediator to speak to the attorney - the attorneys provided a number that was to their collection line- while I understand this is possibly not a violation it is at best bad faith and smacks of representing that the boiler room collection employee is a part of the " legal department. '' XXXX {$6200.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
Medical Bill 26 U.S. C 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX XXXX HAS PULLED MY CREDIT 3 TIMES XX/XX/2021 XX/XX/2021 XX/XX/2021 I DID NOT GIVE XXXX XXXX XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF OF AUTHORIZATION.

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