hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
I have a promotional balance that is due in XXXX, 2020. When Covid hit I contacted the Care Credit in to see if I could get an extension, they denied me NUMEROUS TIMES saying 'You already made the purchase, we can't extend the date the Promotion expires '. So I set up Automatic Payments in XXXX so I could make equal payments in time to pay off the balance. I logged into Care Credit Synchrony 's website : https : //www.mysynchrony.com/ in XXXX and noticed that they did NOT take out XXXX and XXXX 's payments automatically as stated in the Auto Payment agreement. I made a {$200.00} payment immediately and sent an email to Care Credit. I double-checked that my Auto Payment was still active and it stated that it would deduct the agreed upon amount on the Next Payment Date in XXXX. I just logged on today and they did NOT deduct my Auto Payment. Auto Payment is still Active. They are hindering my ability to pay on my credit card automatically. Their advertising is misleading : " You are currently enrolled in autopay for this account. Your next Autopay Amount of {$230.00} will be processed on your next payment due date '' It has not taken out an AutoPay since I scheduled it. They state, " Autopay : Never miss a due date again. You can choose how much you want to pay so that you never get a late fee '' and yet they are missing my Auto Payments. They are hindering my ability to pay off this Promotional Balance automatically. And they are misleading me into believing that I don't have to worry about a payment being made. They also deleted most of my email correspondence in my account on their website.

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 2023-03-22
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. (TX)

Complaint:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX/XXXX/2022

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 2022-08-22
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. (NY)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Open Late Dates XX/XX/XXXX, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates 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 2022-12-26
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. (NC)

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Harris & Zide (CA)

Complaint:
Harris and Zide should have their law license revoked!!! first of all I was  never served I wsas not aware of this judgment from XX/XX/XXXX when I started getting called and letters from them threatening to garnish my XXXX wages calling threatening to arrest me ... I later found out that they left papers with my neighbors kid how is it a good service? .. I called XXXX  XXXX XXXX willing to settle this past due account who agreed to accept XXXX but to pay harris and zide. when I called harris and zide and spoke with with XXXX XXXX he laughed at my " XXXX '' accent and said this is XXXX   and he will not accept less than XXXX I even put XXXX XXXX XXXX on the line to conference but he hang up ... then I called to ask to speak with someone XXXX  speaking was connected to XXXX XXXX who was worse - he ask about my income and asked to send in my XXXX checks so he can garnish my income .... isn't this illegal to go ... i'm trying to do the right thing but seem like i'm being taking advantage of. I have on hand a letter from XXXX XXXX XXXX stating I owe then XXXX but harris and zide said it is now XXXX isn't this a usuary? ... against ca interest rate laws ... i'm very confused, threatened, harassed and insulted at this point. I was never treated this way as a vet and disadvantaged citizen this is outrageous. I'm going to the district attorney 's office next to see if they will help. I want to resolve this 9 year old debt but don't wish to work with harriz and zide, I wish to settle this with the original creditor XXXX  XXXX XXXX and get satisfaction of this judgement once and for all and stop all harassment calls from harris and zide. please help, I was also given contact for ftc and cal bar to file my complaints with. I have nothing but time and will see justice and release

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Bread Financial Holdings, Inc. (KY)

Complaint:
The payment status for Comenityvank Victoria secret last XXXX # XXXX is listed as current account/ was delinquent 60 days past due date. 

In accordance with the fair credit Reporting act Community Bank/Victorias Secret has violated my rights. 

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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Complaint:
I contact XXXX, XXXX, and Experian about hard inquiries on my report. I got the most push back from XXXX and Experian but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.

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 2022-10-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc. (OK)

Complaint:
My debt was XXXX because of XXXX fraudulent practices, which XXXXXXXX XXXX XXXXXXXX was well aware of. They passed the collection off to National Enterprise Systems who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for XXXX, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.

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 2022-06-03
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: Experian Information Solutions Inc. (AL)

Complaint:
In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX  acct number XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 usc 1605 states that the finance charge is the sum of all charge, no such thing as late payment 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 usc 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ; reporting high usage negative impact on family/household/livelihood improper investigation, 5 U.S. Code 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted 15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer to whom it relates.

15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report without notifying the consumer in writing

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 2022-10-11
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. (TX)

Complaint:
I was a victim of identity theft. I filed a police report and theft affidavit. The bureaus have not removed and blocked the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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. (AR)

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2017-06-19
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. (FL)

Complaint:
I noticed unauthorized inquiries on my report. Equifax,  XXXX  did not do a proper investigation or provide me with any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

Complaint:
XX/XX/2018 - I sent a letter to all three credit bureaus requesting them to verify the debt with Commonwealth Financial. 

XX/XX/2018 - Received a letter from XXXX  stating that the account has been verified. 

XX/XX/2018 - I have sent a letter to Commonwealth Financial asking them to validate the debt. I also sent letters to all credit bureaus asking them for verification procedures to justify how they verified the account. 

XX/XX/2018 - Sent a letter to all three credit bureaus after the account was verified with them, however I have yet to receive a response from Commonwealth Financial, and they are still reporting on my credit with no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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. (NC)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, Bank XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX XXXX XXXX and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Complaint:
Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, Experian, XXXX ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. 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 explanation
Consumer complaint received 2022-03-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (WI)

Complaint:
previous investigation done by chime - case id numbers- XXXX, and XXXX. 
previos cfpb reports files back on XX/XX/2021 - cfpb # - XXXX and cfpb # XXXX. 
wisconsin Datcp fiILE # WHICH THEY FAILED TO REPSPOND TO - XXXX. 

NOW IM REACHING OUT AGAIN. 

this is fraud. I want this account shut down and the complete file on this account. transaction history and everything you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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. (AL)

Complaint:
BETWEEN  XXXX    XXXX 2017  THRU  XXXX   XXXX ,2017 I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

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 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Complaint:
I have been with XXXX for many years I would say over 10 to be exact. Two years ago I rcvd a notice that I had a delinquent account and I was like that's not possible I called XXXX and they said we don't see that you are delinquent. So I disregarded the notice. When I then rcvd another one saying I was delinquent called back and gave them the account number on the notice and they found an account in my name for I believe XXXX dollars. I advised them that was not mine and that my real account with them has never been delinquent. They researched the account and found that it was a fraudulent account and deleted that account. About two months after that I started getting another delinquent notice from XXXX  but this time is was for XXXX for a phone and a phone line. I called XXXX  saying I rcvd another notice about another account in my name that was opened. When they researched it they stated that they would not remove it because the number associated with the fraudulent account called my real number. I told them how was I supposed to know that someone who obviously stole my info would call my number. The pretty much told me that I would need to research it myself to see who stole my info because its someone I know. The only thing they told me in regards to the fraudulent account is that someone went in one of the stores and opened the account and that they could not do nothing because it was a 3rd party authorize company. I told XXXX  that they would still be liable because before a new phone line is opened they have to verify my identity by looking at my ID and this did not happen because they would have seen that this person was not me. To this day I still have my real account with XXXX  but they are still holding me liable for letting someone open an account in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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. (MD)

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : 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 2023-05-17
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. (IL)

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief