hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
I applied for a Wal-Mart Store Card on XX/XX/18 which is offered through Synchrony Bank out of XXXX FL. On XX/XX/18, I received an electronic letter informing me that my application was denied because of some key factors that adversely affected my credit score. 

My complaint is the credit score Synchrony Bank pulled on me is inaccurate. My credit score with the 3 credit bureau 's are higher than what Synchrony Bank has reported. Another key factor that adversely affected my score with Synchrony is " Too few open end accounts ''. This is inaccurate based on my credit scores listed with the credit bureaus. The bureau 's report the following open accounts which are in good standing and current ( i.e. Student loans, XXXX  XXXX Credit Card and XXXX Credit Card ). 

When I search the address for Synchrony Bank online, it doesn't give an address in Florida and I'm concerned that the address given for Synchrony Bank on the letter that is listed in XXXX Florida is incorrect. 

Synchrony Bank states that my credit is XXXX. The 3 credit bureau 's report my credit score 's over XXXX. Your assistance on resolving the big gap in scores is greatly appreciated!

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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-12-16
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. (IA)

Complaint:
XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring XXXX  XXXX to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXXXXXX XXXX  policy does not supersede FEDERAL LAW. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.

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 2017-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
Hi, in XX/XX/2017 I received a Quick Pay of {$400.00} by mistake on my Chase account. Days later Chase representatvies contact me to authorize the return of the funds to the original person.
After 5 minutes, i did authorize it however on XX/XX/2017 Chase withdraw twice the amount ( {$800.00} ) from my account. After I notice it I call them twice, after +1hr on each of these calls they have n't be able to return {$400.00} that were withdraw by mistake from my account.
I do n't know what 's going on, but I ca n't believe that it took me 5 minutes to authorize the return of the funds, and is been days trying to get the mistaken withdrawn funds to my account.
I do n't know what else to do, i open a customer service request, talk with different people and is been a waste of my time. The bank should be responsible and return the funds and then figure out where the money went. My name is XXXX XXXX thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (VA)

Complaint:
I received a debit letter and have disputed it. They claim I have a credit card debt from years ago but when I ask them for proof of what that debit is, they fail to send me documentation on what the debt encompasses. I ask them to tell me what the amount is for and they only say it is a credit card debt, they do not provide me any other details. Based on the lack of information they provide me, I refuse to assume responsibility for a debt that is not mine. They are continuously lowering my credit score unjustifiably. They are using my credit score as leverage for me to pay a debt that I do not know what it is about. I sent a copy of the certified letter below requesting information and asking them to remove this from my credit history. It has been over a month and they have not responded yet they continue to damage my credit history.

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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. (WA)

Complaint:
Equifax Your listing that XXXX XXXX account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and is see a list of derogatory items that are not mine including bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and his information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX   XXXX {$8000.00}

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 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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: Experian Information Solutions Inc. (CA)

Complaint:
XXXX XXXX has repeatedly provided misinformation on my credit report over the course of the last 12 months. 
- XX/XX/XXXX flagged as past due 30 days - incorrect as there was no payment owing - XX/XX/XXXX reported i owed {$5600.00} which was false and an incorrect amount- XX/XX/XXXX flagged a 30 Days past due requesting {$1000.00} x 12 payments per month ( {$13000.00} ) which is an incorrect amount and an attempt to collect an amount over 2x any outstanding balance- XXXX XXXX reported as 30 days past due. ( payment was made before the XXXX XXXX ) The lease agreement states the payments are due on the XXXX of each month so therefore any payment made on or before the XXXX of the following month is indeed within 30 days. 

I have attached the agreement and the log of payments which I agreed during the Covid 19 pandemic i would be making the following month before the 30 days past due mark. 

I have reached out to XXXX Corporate complaints and Collections and Customer Service whom have openly admitted on recorded phone calls that the payments for {$1000.00} were incorrect yet they still insist they will not remove the account. 

This has been escalated by XXXX to her superior XXXX XXXX - Assistant VP of Consumer Complaints Compliance on the XXXX XXXX whom has been unable to investigate satisfactorily so therefore this needs to be escalated. I am not convinced on the legitimacy of the investigation as they show no clear understanding of the issue of any real attempt to resolve.

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 2020-12-29
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. (OH)

Complaint:
My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX  WHEN NOT on XXXX  as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX  REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX  XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!

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 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
I am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
Someone used my identity to gain an apartment in my name in a state i do not live in the other credit bureaus have been very helpful in helping me with the matter but Equifax has caused me more headaches and pain they removed the fraudulent account and placed it back on my credit. If this issue is not resolved i will file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (PA)

Complaint:
Equifax will not remove an over 30 day late from my credit report and I have a letter from the Credit Union that was sending a check to XXXX to pay off a car loan. The check was lost in the mail and they sent a letter about it and I will attach it. All the other credit agencies have fixed this with no problem. I have disputed 5 times with documentation and they will not remove. XXXX even put a note on my account saying it was a mistake. Im XXXX and never had a late payment in my life so this is really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seattle Service Bureau, Inc (CA)

Complaint:
COLLECTION COMPANY HAS VIOLATED AND BREACHED MY CONSUMER RIGHTS UNDER TCPA VIII. AND FDCPA 15 USC 1692d 806 ( HARRASSMENT OR ABUSE ) ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONCESQUENCE OF WHICH IS TO ABUSETHE HEARER OR READER. ( 5 ) CAUSING A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH THE INTENT TO ANNOY, ABUSE, OR HARASSANY PERSON AT THE CALLED NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Complaint:
This student loan was taken with   XXXX   XXXX   in   XXXX   XXXX  . It is a    XXXX   XXXX   XXXX   wh ich could have and would have been handled through a bankruptcy on me   XXXX   XXXX  . Over the l ast three month s I asked and received from them the original loan application because it has been years since establishment. I have attached files which include my letter to  NAVIENT  and an offer to settle. In addition, the promissory note is included by  XXXX  pages.     By virtue of their rules,  NAVIENT  failed purposely to follow their rules by not speaking up when the bankruptcy was begun. They were notified. Student loans are automatically declared unable to be discharged under bankruptcy without question ; however, NAVIENT knew their loan was qualified to be discharged under bankruptcy. The   XXXX   XXXX   XXXX   XXXX   is a quietly kept secret from bankruptcy attorneys.     NAVIENT sent me a letter   XXXX   XXXX   XXXX   " We 've recently been notified that your bankruptcy case has concluded. Bankruptcy does n't always discharge student loans, and because your loan shown above was n't discharged, you remain responsible for repaying the entire remaining balance. '' I no longer work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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. (MO)

Complaint:
Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.

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 2023-07-02
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. (SC)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 explanation