hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-04-13
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. (TX)

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-16
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. (CA)

Complaint:
I found items on my credit report that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Complaint:
This is the letter I sent to Syncrony bankXXXX My name is ... .... and I need to bring up to your attention a consumer issue that I struggle with. 
In XX/XX/XXXX my ex-husband ... ... ... ... ... bought a XXXX XXXX XXXX  and I ( ... ... ... ... ... ) had to co-sign the contract ; he used to pay the monthly bills in time ; I never took care of it, never used the credit card ; Last year on XX/XX/XXXX we got divorced and the Final Judgement of Divorce stipulates that he is responsible for monthly payments on XXXX XXXX/Syncrony bank credit till is paid off. With that occasion my last name has been changed to ... ; He continued to pay it monthly, until on XX/XX/XXXX when he passed away ; On XX/XX/XXXX the attorney of estate contacted XXXX  XXXX/Syncron bank to notify them about .... ; later on, the attorney of estate informed me that I have to contact XXXX XXXX/Syncrony bank ; On XX/XX/XXXX, I called XXXX XXXXSyncrony bank and explained my situation the divorce agreement, the fact that I live in a different place, I cant afford to pay anything ( I barely pay my rent ), the bed remained in the house where he lived, I dont use it etc ; they said that Im responsible for the balance of the contract On XX/XX/XXXX, I called again Syncrony bank and I was informed that my name has been removed from the contract and should I not be worry about it ; all conversations are recorded so, it must have been a prove of what the representative told me ; After a while, couple weeks, I started to receive alerts thru Credit wise, saying that Im in default with XXXX  XXXX/Syncrony bank payments ; at the end, my credit score dropped off from XXXX to XXXX ; Thats being said I ask for your help - Im not able to pay any money towards the bed, my monthly income is {$2300.00}, I will have hard time to rebuild my credit, because of this huge burden. Also, I have to help my daughter who is in college in ... ... and to cover our monthly expenses. 
I enclose a copy of Final Judgement of divorce and a copy of the invoice that I received by mail on XX/XX/XXXX. 
Thank you so much for your consideration, Best regards, ... ... 

The amount credited in XXXX, XXXX by Syncrony bank was {$8000.00}. On XX/XX/XXXX the amount due was {$2200.00} ; now the amount is {$2300.00} including late fees and interest. 
Thank you for your consideration! 

Sincerely,

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 monetary relief
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

Complaint:
Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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. (VA)

Complaint:
XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (WA)

Complaint:
Our Mother, that passed away, had a loan, line of credit, with XXXX  XXXX XXXX that was sold to SLS Servicing Loans. 

Our mother loss her XXXX  ( source of income ) was in and out of the hospital before passing away in XXXX 2019. 

All of this happened in the span of 7 months. Back to back it was something and she failed to pay on that loan. 

When she. passed we took a month to process. We collected her bills and reached out to SLS to have the validate the debt. 

During this time they continued to send 3-4 letters with interested added while we had to submit paper word of being an executor of the estate. 

Then ocne we ere able to access her files they continue to send more letters and added more interest and still no proof of debt owed. 

When it was validated we then applied for Mortgage Loan Assistance to get our options and reduce the interest. 

They then sent an attempt to foreclose from a lawyer. 

During this time we had continued to find out by calling weekly about further documents need even when online it would state something else. Also every time we called it would be something different needed. They only way we would get status updates if we called or checked or mail which would also take long to receive. 


Now we logged into our account an our application is gone and more interest has been added. 

We are proactive in trying to settle this with no proper communication on what do moving forward. 

Not one person has been consistent in assisting us. If it was not for COVID19 we believe they would try to foreclose on us. 

We just want all fees and interest since her passing reduced.

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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (MI)

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 15 USC 1681. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
Im having an issue w/Transunion! I reported identity theft w/FTC rpt # XXXXafter being notified of idtheft by credit monitoring 4-5days ago- i was told to place a creditLOCK ( after a Freeze did NOT work ) w/the big 3-I placed LOCK w/ XXXX.XXXX XX/XX/19.Transunion will NOT allow MY FILE to be locked cause theyre are Multiple Files on me? 
I asked to merge em so I can place aLOCKwhich is critical -but they now claim transunion does NOT have a credit lock-now I find last night, someone canceled the mbrshp I paid for yesterday! HELP I NEED MY XXXX CREDIT RPT LOCKED IMMEDIATELY TO SLOW THE IDENTITY THEFT OF ME!!! 
Thank you 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 2017-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (NV)

Complaint:
XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Complaint:
XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXXt XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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. (GA)

Complaint:
I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.

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 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Complaint:
The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (NJ)

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (CA)

Complaint:
I have been attempting to pay this debt for years. Every time I spoke with XXXX XXXX they could never find me having any sort of debt or collections. Finally about 2 months ago was contacted by a collection service for this debt and it was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
This is XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Complaint:
Account had been charged off for almost 3 years. Countless time had disputed this debt and I will continue disputing until XXXX  when it'll finally drop off my account, this given the fact the status of limitation had passed they won't be able to collect anymore on these alleged debt. 

As I previously mention before, this debt is the result of identity theft and a customer representative actually validated this info, there were calls made where the mention of identity theft happened back in XXXX   on one of the calls I made.

I had asked them for original credit agreement bearing my signature, all statements from beginning to end of the account right before they charged it off, and all payment methods along with payments history for account. Was never received by me. 

Also, they reporting a balance when the account is charged off. It is illegal to report a balance when the account is charged off ( aka written off ) they already received a credit for this debt by reporting it in their Financial Statements as loss. For which I'm asking for a 1099C.

Attached my Original Police and FTC reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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