vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: Open Dealer Exchange, LLC
State: KY

Complaint narrative:
Good Afternoon, On XX/XX/2022 I was searching for a car online and contacted XXXX XXXX XXXX XXXX about a vehicle that I was interested in purchasing. I called and asked if the vehicle that I was interested in was still available and they advised that it was and asked if I would like to make an appointment. I advised that I did and set an appointment over the phone for that evening. During the phone conversation I was asked to provide my address, and I asked why I was being asked of this and I was told that it had to be input into their appointment system to go to the next screen to confirm an appointment. They asked me if I would be financing with them and I said absolutely not. I gave them my address to confirm my appointment and then almost immediately after hanging up the phone I received an email from XXXX stating that I was Pre-Approved for financing at XXXX XXXX XXXX XXXX. At no time did I provide my social security number to the business and I never opted in to receive any type of financing whatsoever. I immediately called the car dealership ( XXXX XXXX XXXX ) back and told them about the email. They advised that they are using a new service that sends blast emails to individuals once an appointment is made, but ensured me that my credit was not ran, because they did not have any of my information or consent to do so. I told them I am not very happy with the way that my privacy was handled and that I would not be doing any further business with them because of this situation. They asked me to send them a copy of the email that I received, as if they were unaware of the email blast that their new system was generating so I did and told them that I would not be doing business with them going forward. 

XX/XX/2022 : I received the same communication in my physical mailbox stating that I had been pre-approved for financing for XXXX XXXX XXXX XXXX. I have not yet seen this on my credit report and hope not to, but I wanted to reach out because the marketing practices do not seem to be legal. I have attached all of the emails I received to this complaint, but please feel free to reach out to me further for any more information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, BUT THEY WILL GET AWAY WITH IT? 
Just this morning, Monday, XX/XX/XXXX, I found out through XXXX XXXX XXXX  free credit reporting service called XXXX XXXX, that Trans Union not only does not show anymore my 2 accounts with XXXX XXXX  as negative and derogatory accounts, BUT THAT THOSE 2 ACCOUNTS WERE ELIMINATED FROM THE TRANS UNION CREDIT REPORT AS IF IT NEVER HAPPENED? THIS DOES NOT SOLVE MY PROBLEM EITHER : ALL MY EFFORTS STEP BY STEP TO FULLY UPDATE AND PAY THIS 2 ACCOUNTS WITH XXXX WERE SIMPLY ERASED AS IF IT NEVER HAPPENED? I PAID AS AGREED A CERTIFIED PAYMENT AGREEMENT DIRECTLY WITH THIS BANK NEVER TO A COLLECTION AGENCY TO THE ORIGINAL ACCOUNT NUMBER AT THEIR OWN BRANCHES IN CASH, THERE ARE 2 LETTERS CERTIFYING THE BEGINING AND THE END OF THE CERTIFIED AGREEMENT BOTH FROM XXXX, A COLLECTION AGENCY LETTER RECOGNIZING THIS AGREEMENT INFORMING XXXX WAS GOING TO REPURCHASE THIS ACCOUNT AND RECOGNIZING I WAS PAYING DIRECTLY TO XXXX, AND ALSO, THERE IS A XXXX LOAN I FULLY UPDATED DIRECTLY WITH XXXX STEP BY STEP UNTL 34 REGULAR MONTHLY PAYMENTS AFTER IT WAS UPDATED ON XX/XX/XXXX THE SAME BANK SANTANDER PROHIBITED ME TO CONTINUE TO PAY IT? RETURNING MY LAST PAYMENT JUST TO KEEP REPORTING IT WAS A LOSS AND FAILED TO PAY WITHOUT NEVER UPDATING THE CREDIT REPORTS? ALL MY EFFORTS ARE GOING TO BE THROWN TO THE TRASH? XXXX OR THEIR NEW PARTNER XXXX XXXX DECIDED THIS SOLVES EVERYTHING? 

THAT IS NOT TRUE : DURING ALL THOSE YEARS OF INCORRECT AMD NOT PRECISE CREDIT REPORTING BY XXXX, SPONSORED NOW BY XXXX XXXX, MY CREDIT REPORT WAS SHOWING FALSE DELINQUENCIES FOR THIS 2 ACCOUNTS, I WAS CONSISTENTLY DENIED UNFAIRLY EVEN FOR SMALL LOANS UNLESS AT A TOO HIGH INTEREST RATE FOR AFFECTED CREDIT, HAD TO ACCEPT 2 MASTER CARDS FROM XXXX XXXX XXXX  AT A TOO HIGH INTEREST RATE OF 36 % THAT EVEN TODAY 5 YEARS AFTER WAS UNABLE TO CLOSE WITH A NEW SMALL LOAN JUST TO CLOSE THIS 2 CARDS WITH NO MONEY LEFT FOR ANYTHING ELSE? ALL THE NEEDS WERE NOT COVERED, HAD TO APPLY WITH MY MOTHER AS CO DEBTOR SEVERAL TIMES AND EVEN WAS DENIED WITH HER LAST TIME AT A PRE APPROVAL FROM XXXX XXXX XXXX FOR THIS PURPOSE?

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 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
My name is XXXX : XXXX XXXX a federally protected consumer, and I am making this complaint against Aargon Collection Agency XXXX for committing identity theft. I have never given Aargon Collection Agency, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Aargon Collection Agency and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Aargon Collection Agency any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Aargon Collection Agency before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Aargon Collection Agency, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 Aargon Collection Agency, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Aargon Collection Agency, continues its collection efforts, I will file for litigation for actual damages caused and Aargon Collection Agency, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail 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.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have sent Goldman sach banks a correction of billing errors notice pursuant to 15 USC 16666 ( a ) stating that there is an error in the statements for credit card associated with ACCOUNT NUMBER ENDING:XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00} ) that was issued to the consumer ( me )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for credit one bank 15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 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 explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to Zwicker and Associates for an XXXX XXXX debt that I owed. I reached out to Zwicker and Associates PC collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXX 's direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX  County Court to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from Zwicker informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/2020, I purchased a phone in XXXX website by using their store finances through TD Bank ( as attached receipt shows ). I was {$660.00} after instant trade-in discount for trading my old phone ( XXXX XXXX  XXXX XXXX ). My phone instant trade-in value was {$650.00} as page tree of attached document shows. Unfortunately, I did not like the new phone, and I returned it with the 30 days of the XXXX return policy. When XXXX processed the return, they already charged me the trade-in discount because they did not receive my older phone. Because I returned the new phone, I did not need to send my phone. 
The TD bank which XXXX uses was charging me late fees for lack of payment. I contacted with them so many times and explained to them that I returned the phone, and my balance would have been XXXX. I also contacted with XXXX, and they were telling you return the phone, so you don't owe anything. 
I was XXXX between XXXX and TD bank to feature out what is going. When I call TD bank, they were telling me call XXXX and when I call XXXX, they were telling me call TD bank. 
In late XX/XX/2020, XXXX figured out that they did charge me the trade in phone but not refunded. But i was getting charged late fees. 

I so many times tried to explain TD Bank and what was going and to waive the fees, but they pliantly refused to do so. They are reporting me to credit agencies with Charge off and late payments.

I even filled out and sent a form they sent me XXXX about the dispute but they have not processed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of ID Theft and elderly financial abuse. 

XXXXXXXX XXXX had done an excellent job of restoring my accounts, minus various debits and attempts to send money to a " XXXX XXXX. '' However, Discover card has not provided a Conditional Credit or permanent reversal for a charge unauthorized to XXXX XXXX in New York, for {$3900.00} on XX/XX/XXXX. After a month and hours on the phone talking and transferring to several agents, payment is coming due. When I checked on line on Disputes, I get " You have no active dispute on file. '' Address is : Discover Financial Services, XXXX XXXX XXXX. XXXX XXXX XXXX. Utah XXXX. 

Please help before my perfect payment record is impacted. 

XXXX XXXX XXXX XXXX XXXX. 
Ca. XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from XXXX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact XXXX XXXX. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted XXXX XXXX XXXX department to be transferred to XXXX XXXX. They confirmed an application was received and approved. XXXX XXXX has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to TransUnion and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.

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 2022-08-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email alert from XXXX stating that a Hard Inquiry from AMEX was done. 

Today, I contacted XXXX to dispute the Inquiry. They said it will be removed and to contact American Express. In addition, XXXX asked if I was interested in a freeze that would restrict new inquiry to require my authorization. As of today, the Freeze should be in place. 

I contacted American Express Fraud department to be transferred to Application services. They confirmed an application was received and approved. American Express has blocked the card as of XX/XX/XXXX. They stated no cards were mailed. I was advised check with the U.S. Post Office to verify if any fraudulent change-of-address were filed. 

I am in the process of reporting the fraudulent inquiry to XXXX and XXXX. I am also checking with the U.S. Post Office for any fraudulent address change request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to XXXXXXXX XXXX XXXXXXXX for an American Express debt that I owed. I reached out to XXXXXXXX XXXX XXXX XXXXXXXX collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXXXXXX XXXX direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX XXXX XXXX to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from XXXX informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.

Company response to consumer: Closed with explanation