hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-27
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. (GA)

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated

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 2020-05-15
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-11
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: Experian Information Solutions Inc. (UT)

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
35 years ago I opened an account @ Bank of America, it was a no-fee account, with no minimums, no direct deposits requirements, a totally free checking & savings account as long as I didn't overdraft, which I haven't. In today 's mail, I get a letter from them telling me if I don't meet certain criteria that they will charge me {$12.00} per month. I signed a contract/agreement with them 35 years ago, how can they change the terms in a blink of an eye and start charging me?

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 2020-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
XXXX XXXX XXXX is attempting to falsely collect an inflated amount from a Lowes Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the Lowes account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by XXXX XXXX  XXXX and Double-Jeapordy as well. 

Also, a lawyer from XXXX  attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!

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 2021-10-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Complaint:
I sold my vehicle to XXXX on XX/XX/2021. My vehicle lease title is held through Toyota financial services. Toyota financial services received full payment for the vehicle on XX/XX/2021 from XXXX. I faxed all required paperwork to Toyota financial services as well. I've repeatedly called Toyota financial services about the status of my loan termination. Every time I call, they tell me that they don't understand why my title is not released and that they will escalate my issue and get it resolved. Meanwhile, it is XX/XX/2021 and my title is still not been released out of my name. The account still shows full balance owed. I have had to continue making payments, while they hold the check for the full balance owed. I am on my wit 's end with this company and have no idea what other actions can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.

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 2022-12-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2019-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

Complaint:
Agreement was reached to settle two separate debt accounts with XXXX XXXX. I purchased two separate certified checks through my bank on XX/XX/19 payable to XXXX, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to XXXX XXXX. I received confirmation that XXXX XXXX received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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. (FL)

Complaint:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 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 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 2023-08-07
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. (NC)

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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. (TX)

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer may furnish an account without my written consent.

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 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (NC)

Complaint:
On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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. (SC)

Complaint:
My data and personal information was compromised and I noticed that from analyzing my credit report.This took place since 2020 when I let XXXX, Equifax and XXXX. Know that there was fraudulent and inaccurate accounts and info on my credit report. I'm not sure if the cause was from me losing my wallet on a construction site at the time when I were at work or it could of been from a data breach from Equifax which I was a victim of according to the link Equifax have to fill out your info if you may be a victim of identity theft and your data was breached and I were a victim but this took place before the data breach and from my understanding my info was leaked on deep web.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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. (MO)

Complaint:
XXXX 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 has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  : # XXXX has violated my rights. 
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 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 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 2023-01-14
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. (TX)

Complaint:
Please see attached all 3 bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

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 2019-05-05
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. (TX)

Complaint:
THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s

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 2020-07-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Complaint:
Company has failed to investigate and or remove information from a consume report despite receiving proper documentation on the fraudulent accounts. I have disputed this information for over 1 year and Experian has refused to remove nor investigate these items. These items were included in previous complaints with CFPB.

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 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (PA)

Complaint:
On XX/XX/2019 a representative called my house phone, I wasnt available so my XXXX daughter answered. After my availability was stated the representative was aware that I wasnt available and he continued to speak to my minor daughter. He explained to her that I owe the company money and if the debt wasnt paid I will be going to jail. Unfortunately because I wasnt available I dont know all the details of the conversation. I found out that night when my XXXX XXXX XXXX daughter woke me up crying, asking if I go to jail where will her and her siblings go live, which had confuses me. my daughter explain to me what the representative on the phone said to her, she then told me she took it upon herself to pay the in accurate debt due to her being scared with my debit card. I question my daughter about the payment and she told me that the representative walked her through the payment process. He gave her some type of number. When I noticed the name of the company it had become familiar that I just received something in the mail from them a few weeks prior. Not only they made a XXXX XXXX XXXX pay this account, but the amount was inaccurate. I then asked my daughter why would she make any payment without coming to me first and how much was this debt? She said {$1600.00} I lost my mind. I went to go look for the letter that was sent to me a few weeks back. When I found the letter, Not only it was unacceptable but it was the wrong amount. The representative made her pay {$1600.00} and the man knowing the letter of the debt states {$1300.00}. I have submitted both the letters for {$1300.00} settlement notice and a confirmation of payment of {$1600.00}. I spoke with my children and explain to them that under no circumstances they are allowed to pay anything without my consent since then Ive been getting harassed with letters and phone calls from Chase bank stating I still owe a debt although in the past I had submitted police report of a home invasion showing my information was stolen and missed used. I also told chase and client services, obviously it was someone who I knew or know and who is always in my home, but I couldnt pinpoint who it was because I have multiple people in my home which at this time I did stop everybody from coming to my home, because Im not sure who has done this. i just received a letter in the mail on XX/XX/2019 from XXXX from chase harassing me including calls. i explained although the debt was paid inappropriately by a child, but the debt is paid and to please stop contacting me.

Company response to consumer: Closed with explanation