hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-09-07
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (ND)

Complaint:
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff, XXXX ( hereinafter XXXX ) is a resident of North Dakota. 
3. The Defendant, XXXX XXXX, ( hereinafter XXXX. ), is a Ohio Corporation, with its principle address at XXXX. XXXX XXXX, XXXX, OH XXXX. 
4. XXXX. is the creditor with account ending in # XXXX. XXXX. alleged XXXX owed {$3000.00}. 
5. By XXXX reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
6. On XX/XX/2018, XXXX sent a letter to XXXX. advising to validate the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
7. There is evidence the Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
8. XXXX failed to comply with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
9. On XX/XX/2018, XXXX attempted to send a 2nd letter requesting XXXX. to once again validate the account. 
10. The Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
11. XXXX. responded with a letter on XX/XX/2018, stating the request was determined to be the same dispute and just ignored the request. They AGAIN failed to comply again with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
12. On XX/XX/2018, XXXX mailed a 3rd letter to XXXX. advising them to Cease and Desist any further contact with him regarding this account. 
XXXX. The XXXX received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
14. The Defendant contacted XXXX via mail regarding the account dated XX/XX/2018, said contact after a Cease and Desist letter is in breach of the law. 
15. XXXX. Violated FDCPA Section 805 ( c ) for contacting the Plaintiff AFTER receiving the Cease and Desist letter. 
16. XXXX. still continues to damage XXXX credit score by reporting this negative and incorrect information to the credit bureaus. 
17. XXXX. has further violated the Fair Credit Reporting Act Section 623 when it FAILED to report to the three major credit bureaus that the account was being disputed by the consumer. 
18. SEE ATTACHED PROOF There are copies of my Credit Reports from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Look under Comments- THEY FAILED TO REPORT THE ITEM AS DISPUTED. This VIOLATES Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Complaint:
Checking my credit on XX/XX/2022 there was a collection from allied collection XXXX of {$3400.00}. From the original creditor 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 2022-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
On XX/XX/2022 I sent a letter to the XXXX court asking do they report information to credit reporting agencies. I just got a letter back from them stating they don't, so if that is the case how did they get the info to report? They never did!!! Pursuant to 15 USC 1681 Sec 603 3 ( e ) the term investigative consumer report means a consumer report or portion thereof in which info on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have such knowledge concerning any such items of information. However, such information shall not include specific factual info on a consumers credit record obtained directly from a creditor of the consumer or from which a CRA when such info was obtained directly from a creditor of the consumer or from the consumer. 
How was a proper investigation done? 
This is how they violated me : given rights 15 USC 1681 sec 602 states that I have rights to privacy. According to 15 USC 1681 sec 604 ( A ) sec 2 it states CRA can not furnish anything without my consent. 15 USC 1681 ( a ) ( 1 ) you shall NOT furnish anything 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 2023-01-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with Experian and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

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 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

Complaint:
XXXX  receivable management along with XXXX is trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX  XXXX phone because it was an inside job with a dishonest XXXX  worker XXXX  receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. XXXX receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by XXXX  receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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. (TN)

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 explanation
Consumer complaint received 2023-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Complaint:
Capital One Auto Finance has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 explanation
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (NJ)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (TN)

Complaint:
This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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. (TX)

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-05
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. (OH)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only ALLY FINANCIAL as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : 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

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 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Genesis FS Card Services, Inc. (CT)

Complaint:
Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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. (IL)

Complaint:
Vehicle illegally obtained in my identity Account # 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 2021-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Complaint:
Well over XXXX days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX  ''. In fact, I noticed several errors regarding this account on my credit report. XXXX of the errors shows late payments, derogatory status and included in a bankruptcy. XXXX of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had XXXX late payments- there are serious discrepancies and errors. Upon addressing this with both XXXX and Experian, nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to XXXX and Experian asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond XXXX days, the law requires that the disputed information must be removed from the credit report. XXXX  and Experian fail to comply.

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 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
I have a checking account at Bank of America. I scheduled the payment of certain bills from my checking account in XXXX on XXXX separate dates, and made a XXXX transfer into those accounts from another Bank. The Bank of America application suggests that funds will be credited with 3 days ( not business days ) to your account and I scheduled bill payment in accordance with this expectation. On the day bills were paid, the transferee funds werent credited and my account ended up being overdrawn causing a two {$10.00} overdraft charges hitting my account. I had called Bank of America and explained to them the issue and asked why werent the funds I transferred via XXXX credited to facilitate payments of the bills. The response was as follows : We dont take responsibility for XXXX payments even though the service is offered on our platform. XXXX transactions usually post within 5 business days ( contradicts the 1-3 days stmt they have on the app ) and we will NOT reimburse you for the {$20.00} overdraft fee.

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 2020-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

Complaint:
Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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

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 2019-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
On Thursday XX/XX/2019 we noticed {$1200.00} was taken from our checking account and was being sent to XXXX XXXX where we have our mortgage. Our mortgage is $ XXXX  monthly. Thinking we had forgotten to pay it we transferred another {$870.00} from our savings to make up the difference. It was all " pending '' to XXXX. I realized that I had received an email that we had ALREADY made our mortgage payment on XX/XX/XXXX or XX/XX/XXXX. XXXX is NOT authorized to take monies from our accounts. We make our payments ourselves through bill pay. We quickly went to Huntington Bank in XXXX on XXXX XXXX to request a stop payment. The banker we saw said he wasn't sure he could stop the payment but he would try. I asked what further steps we could take ... was there some federal agency or something that could help us? He didn't know. I consider this to be mortgage fraud. Checking out XXXX account today, the monies have not been received or distributed to our UP TO DATE mortgage. We don't know where the money went or why Huntington allowed to money to be taken from our accounts. My husband went back and I believe he opened a new checking account with Huntington in case this is a scam. Huntington is responsible for giving out {$2000.00} of our money without our authorization or permission. We are XXXX  citizens living on a fixed income. That money should be put back into our Huntington accounts or given to us in a certified check. How are we supposed to live if they just allow our fixed income to be taken out without our permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

Complaint:
While on the XXXX program up to and during the 1st quarter of XX/XX/2015, I was living at a XXXX XXXX XXXX complex. At some point either XXXX XXXX XXXX complex or the collection agency, submitted derogatory credit information to the credit bureaus. The submitted information was incorrect or missing totally. 

The XXXX program subsidized my rent where I paid my portion on time and I was never late. I do remember that there were admitted clerical errors verbally admitted by the complex. On several occasions I tried to correct the derogatory info, but I have not received any information in return. 

This ordeal leaves me in a dilemma of what actions to procure to resolve these issues concerning my credit. 

Please resolve my issues as soon as possible. 

Thanks

Company response to consumer: Closed with explanation