hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, transunion, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATIONXXXX ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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*BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXBalance Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
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. (AZ)

Complaint:
This was closed because it was not specific. I will make it specific. XXXX XXXX took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. ACCT XXXX I will be pursuing this- trust me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (WA)

Complaint:
I received a letter from XXXX ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( Synchrony Band ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. 

First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.

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 2021-05-27
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. (FL)

Complaint:
I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, XXXX, and Equifax pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. XXXX  shows paid when looking at the account status, XXXX  shows that it is closed and Equifax shows paid. To me, it does not seem to THAT XXXX  XXXX  nor Equifax verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Opportunity Financial, LLC (IL)

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on OPPITY FIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
On XX/XX/22 at XXXX XXXX, I went to deposit {$2600.00} ( all {$100.00} bills ) in cash at the Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX location, ATM term ID - XXXX. The ATM spit back a {$100.00} bill saying it cant read it. I got distracted by that and walked away - so I didnt click any other buttons to deposit it fully. Called Chase the next day, admitted my stupidity, and they said they see an attempted deposit on their end and credited the money back to me. Now, a month later, theyre trying to say the ATM didnt have an extra {$2500.00} in it and theyre taking the money back. I asked them to review the cameras to see I was there depositing the money, with my mom right next to me, because theyre saying the ATM didnt spit the money back out. They said the person after me couldnt have gotten it. They dont review video as part of their investigation??? And I cant review the video without a subpoena from an attorney. So now {$2500.00} has gone missing, the ATM didnt have it, and the person after me couldnt have gotten it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2023-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AR)

Complaint:
This company is called XXXX I look it up it has part of the XXXX XXXX XXXX which I have have taken of my credit report. Because they call day or night with different number. Which is collection is off PayPal credit which just online I get spam email from PayPal stuff that not real all the time. Which any way I had it removed off XXXX XXXX because of fraud I would be happy if take it off the other two credit report

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: Consumer Portfolio Services, Inc. (AR)

Complaint:
accordance with the fair credit Reporting act XXXX Account # XXXX, 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 cit open end consumer credit plan as late for purpose.

146

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (TX)

Complaint:
There are three attachments. My attorney handled this dispute. The debt was paid in full. My attorney sent a cease and desist letter to the original debtor XXXX in XX/XX/2023. There has been no response. XXXX sold the paid debt to Credit Management Company ( attached ). Credit Management Company after being contacted by myself and XXXX, refuses to remove the debt from my credit file. 
XXXX has made the correction ( attached ). 
My attorney says credit collection agency 's sell accounts back and forth, for cents on a dollar. 
This situation is very clear and straight forward. It is not a he said she said. There is an legal agreement, and a tracible check negotiated by XXXX in consideration for the debt being paid in full. 
Please have this removed immediately, from my credit report. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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. (NY)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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. (SC)

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
I signed up for a payment plan on XX/XX/2020 for {$50.00} to be deducted from my account on XX/XX/2020 as a part of a payment plan. I was told to call back every 30 days to keep making my payments. Despite making that payment on XXXX XXXX, Synchrony Bank on behalf of Paypal Credit keeps calling me multiple times a day, sometime not saying anything when I pick up. Today, when I picked up and talked to an agent he acknowledge the payment plan and that I was still current on it but said that because I still had a balance, they'll keep calling in between the due dates for the payment plan to get me to just pay off the {$400.00} balance. I have recordings of the XXXX XXXX call setting up the payment plan, copies of the XXXX XXXX payment, a recording of the XXXX XXXX call where they admit they'll keep harassing me until the entire balance is paid even if I stay current on my pay agreement.

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 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

Complaint:
My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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. (VA)

Complaint:
XXXX  's Credit Bureau XXXX/XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX  -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

Equifax Credit Bureau EQUIFAX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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. (MO)

Complaint:
In my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX XXXX and TransunionI just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.

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 2023-04-29
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. (MS)

Complaint:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from 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 Balance : {$490.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$380.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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. (NV)

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation