hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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. (GA)

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that 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 account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Inaccurate information placed on my credit report without my concent. I asked for proof but none was giving.

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 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
For about 4 or 5 days, I and other Comenity Bank consumers have not been able to use our credit cards, access our accounts or even communicate with any representatives due to some unannounced system update that has been going on for days. I wouldn't have known this was occurring if I have not tried to sign in a couple of days ago and checked on XXXX. Their XXXX feed is the only way to communicate with them and they are not providing any info. We are under the impression that they may have been hacked and they are not informing their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (LA)

Complaint:
Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (IL)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XXXX XXXX by XXXX XXXX and i will like to have this remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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. (MO)

Complaint:
After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), 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
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MA)

Complaint:
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX called me regarding payments on my student loan with Navient ( formerly XXXX XXXX ). I set up a payment arrangement of {$150.00} for 5 years. On XX/XX/XXXX I noticed that my payments were no longer being deducted from my checking account. When I called XXXX XXXX XXXX, I was informed that my loan was recalled to Navient. I got no correspondence regarding the recall. I was told to call Navient. So, I called Navient, they game me the address of the XXXX XXXX XXXX. This is where I was supposed to send my payment. My XX/XX/XXXX was cashed and credit to my account. My XX/XX/XXXX payment has not been posted or cashed to my account. I called Navient on XX/XX/XXXX, they informed me that my payment wasn't cashed b/c my account is in litigation with bankruptcy court. Once again, I have no correspondence regarding this and no one at Navient can help me with my account. All I'm asking is for Navient to honor my payment arrangement, update my account, cash my checks and provide me with an explanation as to what is going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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: SYNCHRONY FINANCIAL (SC)

Complaint:
JC PENNY is reporting something on my credit that does NOT belong to me! I applied for a credit card with JC PENNY BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a JC PENNY credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with XXXX and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at XXXX by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Complaint:
I have sent a payment but was not processed on time, after I sent the payment it took them 3 weeks to process the payment which made it late because of their fault not mine. paid the entire balance, my balance was supposed to be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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. (TX)

Complaint:
I have attempted to contact the following bureaus XXXX and Experian regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.

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 2022-05-24
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 contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My three collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. How was XXXX verified? So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show XXXX in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX and XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.

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 non-monetary relief
Consumer complaint received 2021-12-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL (CO)

Complaint:
In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant. 
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this. 
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once. 
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints. 
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription. 
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner? 
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!

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 2020-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (MT)

Complaint:
I RECEIVED A NOTIFICATION ON MY XXXX  CREDIT REPORT FROM CREDIT SYSTEMS, WHEN I GOT A COPY IT INDICATED IT WAS FROM " CREDIT SYSTEMS '' FROM XXXX XXXX  XXXX IN THE AMOUNT OF {$25.00}. CREDIT SYSTEMS HAS MY CURRENT ADDRESS ON FILE AND I DID NOT RECEIVE ANY NOTIFICATION ABOUT THIS DEBIT, IF SO I WOULD HAVE PAID IT IMMEDIATELY THIS COMPANY MADE NO ATTEMPT TO SEND ME A COPY OF SAID DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
This account was never late and the Credit Bureaus was reporting inaccurate information on my Credit File. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. The account XXXX XXXX with Balance Owed : {$0.00} and Date Opened : XX/XX/2020, is reporting inaccurate information. I have been sending letters to the Credit Bureaus regarding this matter and that the Credit Bureaus must confirm the validity of the account in question by conducting an investigation and correct any errors on my Credit File. But despite all my effort to establish a contact with the Credit Bureaus, they seemed to not care at all. If the Credit Bureaus do not take the matter I am disputing, well I do! As a consumer, I have the rights to request an investigation and correct my Credit file. I am exercising my rights by submitting this complaint and I am looking forward to see the Credit Bureaus correct my Credit Report as soon as possible.

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 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have contacted Transunion several times via mail and through the XXXX XXXX and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my Transunion credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Complaint:
On XX/XX/2019 Portfolio recovery associates llc filed a lawsuit against me in XXXX court without serving me with proper summons. PRA also tried to get a default judgement against me on XXXX with out me having the right of representation. In the past I requested from PRA proof of contract for the credit cards with XXXX XXXX  which PRA has purchased the charged off accounts for less than the owed amount. I received junk mail notifying me that PRA had filed a civil case against me as they were offering their services to assist me with my case.

Company response to consumer: Closed with explanation