vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to file a formal complaint against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a XXXX XXXX in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both Discover Bank and the XXXX XXXX XXXX XXXX and XXXX 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

Discover Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX XXXX and XXXX, in their pursuit of collection on behalf of Discover Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by Discover Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: IL

Complaint narrative:
there are multiple inquires on my credit i did not authorize. I would like all these unauthorized inquires removed I contacted the creditor I asked that they cease there illegal 's activates immediately but to date there have been no response.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my email on XX/XX/ and I noticed an alert from " Experian '' letting me know that my credit report changed. I went online and checked my account and seen that an item was reinserted on my credit report both " XXXX '' and " Experian ''. I was not notified by mail and the same day I got the email alert was the same day the change occurred on my report. I did not receive any letters from anyone and I am highly distressed dud to this matter. The item was deleted months ago and was deemed fraudulent. I sent certified mails with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Experian asking them for the description on how they certify that the account was verified. According to 15USC 1681i 5B both bureaus have violated my rights and I will like the account removed immediately. 



( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Somebody used my XXXX account to buy things. I found it same day and canceled it but they used a credit card for the transaction that does not match any of my accounts yet still used my name, business name and business and address as the billing address so it seems they were able to open a new card under my name. XXXX XXXX will not release the card 's information so I can track down the issuing bank and let them know its a fraud account. It may be a business credit account as they used my company name in the billing address. It does not show up on my persoanl credit report. I could not get the account information from equifax or XXXX credit reports either. They tell me I need to know the uissuing bank or full card account number which XXXX XXXX will not release the information for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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 am a victim of a data breach from Equifax, it was confirmed that my personal information was impacted by this incident. The below address 's are not mine nor have i lived there. 

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX  Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pa XXXX XXXX XXXX XXXX XXXX XXXX  Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Date : XX/XX/XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA, XXXX United States Subject : Unresolved Disputed Charged Off Loan ( Affirm ) Dear Affirm, I am writing to urgently address an unresolved issue regarding a charged-off loan on my account ( Loan ID : XXXX ) with Affirm, initiated on XX/XX/XXXX. This letter is regarding the purchase made through Affirm at the XXXX XXXX and the subsequent developments including the merchant-issued credit adjustment on XX/XX/XXXX, my requests for deferral due to COVID-19 financial hardship starting from XX/XX/XXXX, and the eventual charge-off of the loan by Affirm on XX/XX/XXXX. 

As a loyal user of the Affirm platform, I am deeply troubled by the negative impact this situation has had on my financial status and access to Affirm 's services. The core of this issue lies in the failure to process a credit adjustment of over {$270.00} issued by XXXX XXXX. Despite this adjustment, my loan fell into default and was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$290.00}. This balance should have been offset by XXXX XXXX 's credit adjustment. Furthermore, my repeated requests for a payment deferral due to financial hardships caused by the COVID-19 pandemic, starting from XX/XX/XXXX, were not appropriately accommodated, leading to the exacerbation of my financial difficulties. 

In response to these unresolved issues and the significant distress caused, I am requesting : 1. Immediate removal and correction of the charged-off status of my loan ( ID : XXXX ). 
2. Immediate correction of all negative and derogatory information reported to my credit report as a result of this situation.

3. Full reinstatement of my access to the Affirm platform, acknowledging my history as a loyal customer.

4. Issuance of a {$500.00} virtual gift card as a gesture of goodwill for the hardships and extraneous issues I have endured due to Affirm 's unethical operations and lack of proper handling of my account issues. 

This complaint letter, detailing the lack of resolution and support from Affirm, will also be forwarded to formal agencies, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), for further escalation and investigation into these matters. 

Thank you for your attention to this critical matter. I look forward to a swift and fair response. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 U.S.C 1681 XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XXXX/2022 XXXX XXXX Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XXXX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
In XXXX or XXXX of XXXX, I decided to leave the US to travel abroad, due to social stresses and personal loss. I turned in all my equipment to XXXX XXXX XXXX XXXX in XXXX XXXX. I am a 100 % VA XXXX rated Veteran and had no previous issues with XXXX. However, they said I was missing a cable box, which was not true. My bill reflected all the equipment I rented. I showed this to XXXX and they told me that it was possible the installer could have incorrectly recorded an additional box. I rebutted if that were true, it would have reflected in my monthly bill. They said they'd look into it. I left the US totally debt-free. ZERO debt. I have been traveling outside the US, ever since XX/XX/XXXX. I am presently living in XXXX, XXXX. I had no clue the matter was still an issue until I saw a {$310.00} collections on my credit report from XXXX XXXX XXXX , XXXX in XXXX of XXXX for XXXX XXXX. It was the sole blemish on my credit. I disputed it and it was removed from all credit bureaus. However, the following year on XX/XX/XXXX, another collection agency, Berlin-Wheeler, KS reported me again for collections to the credit bureaus, almost 6 years after the fact. I do not owe this debt. I never did. Had this been something I owed, I'd have paid it immediately, especially since it is a small amount. I have no problems admitting to or paying a debt. If I had financial problems, I would have worked out a pay arrangement. I left the US, debt-free. Since then, I have searched several forums and reddit pages that show this is a common practice of claims that equipment was not returned upon termination of service, particularly when the customer is leaving the state. I don't know what to do at this point. Even if it's resolved in my favor, there is still the chance I'll contend with this same issue again next year. This is akin to being sentenced to 5 years in prison for a misdemeanor. I'd have paid {$310.00} if I owed it. I know I'll return some day and will need cable/internet service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The account was closed after being paid in full. I called apple to confirm everything the account was settled and had no pending charges. Apple then charged a fee and didn't notify me until after 30 days. They sent a letter and the fee was paid over the phone. the late payment was reported to the credit bureaus and i believe it is retaliation over closing the account. i have tried to call apple multiple times and they were not helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I called professional collector corporation on XXXX XXXXXX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. Pcc is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXXXXXX XXXX XXXX and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXXXXXX XXXX XXXX sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the pcc is committing fraud by changing these bills and putting different amounts what is owed to them and XXXX. You will see that the XXXX and pcc are both committing medical billing fraud. There is XXXX bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. Pcc still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXXXXXX XXXX XXXX and pcc need to be investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened a secured credit card through Discover at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. Discover began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost 100 points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. 
Also, Discover changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX, TransUnion and XXXX for what I believe to be a clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, TransUnion has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. 

I initially brought this matter to TransUnion 's attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to correct these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. 

The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about TransUnion 's compliance with federal regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. 

I have attached my initial dispute letter to TransUnion, XXXX and XXXX dated XX/XX/2023. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly. 

Thank you for your assistance in ensuring fair and accurate credit reporting practices.

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 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received a direct deposit style debit card in the mail through Venmo that I had not applied for. My social security information has been compromised for some time now, so I immediately called Venmo to have this account/card cancelled which they happily did. They stated I was not responsible for charges. However, the problem I have is that my information is entirely frozen on all credit and banking bureaus, including XXXX. From my understanding, financial institutions such as Venmo are to request my information from XXXX, being that is is the banking record bureau, before opening a new account in my name. If they had done that, they would have seen my account was flagged and denied the fraudulent account. Clearly, they did not follow through with with responsibility. When talking to the agent, I asked why this consumer protection measure was not done. We went back and forth for several minutes, with him telling me that how was information is used is a " trade secret '' and he can not reveal trade secrets to the laymen like myself. However, I was simply asking why they had not done what they are, by law, supposed to be doing whenever a new account is requested. After several minutes of a runaround, with him admitting no fault and refusing to actually answer my questions, I simply gave up attempting to get an answer. He then said it would be escalated to a manager who would erase any charged brought onto the card. I asked if I could expect a call from said manager, with a report of what charges, if any, were made in my name. Again, I was told this was " trade secret '' information because it reveals how their company deals with fraud. Overall, it seemed like a very shady practice, and the company is not fulfilling their duty of checking credit and banking reports before opening a new account.

Company response to consumer: Closed with explanation