hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.

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 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity. 
I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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. (NJ)

Complaint:
I have continually followed up with the companies as well as the credit bureaus of trans union and XXXX  and they refuse to remove the information or provide any documentation to substantiate their position.

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 2021-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

Complaint:
Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
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. (TX)

Complaint:
inquires ftc violations 
capital one 
XX/XX/2020

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 2018-07-18
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. (MI)

Complaint:
I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from 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 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Square Inc (GA)

Complaint:
This unauthorize and fraudulent transaction happen on XX/XX/2020. 
I had a cash app account, someone or something cash out at XXXX XXXX XXXX  at XXXX XXXX  a total of {$870.00}, which was everything I had in the account. I kept contacting cash app support their not help at all. I contacted the XXXX XXXX XXXX and the best thing they told me was to contact C.F.P.B. I let them know i do not and never have an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc. (NH)

Complaint:
I contacted this company and asked what this debt was for - it 's apparently from around 2002, and in addition to harassing phone calls to both myself and my husband, they gave out my full social security # over the phone, before even confirming who I was. I have asked them to send correspondence to me to show this debt, and they have refused.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.

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 2022-07-11
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. (TX)

Complaint:
FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
I am a part of the Equifax data breach announced recently XXXX XXXX XXXX and am filing a complaint to ensure that proper action is taken on my, and others ' behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

Complaint:
I reached out to the Emergency service that Wakefield and Associates is claiming contacted them to collect debt. The billing department said that my account was paid in full and they never sent anything to collections. 

XX/XX/XXXX is the date I went to the ER. 
XX/XX/XXXX was when the collection opened. 


I was never contacted by the emergency services billing department to pay because my account with them was already settled. I am not paying money that I do not owe, and I want this taken off my credit report and i want my credit fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (PA)

Complaint:
In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

Complaint:
Received an Amazon store card over a year ago and recently payed over 1000. to pay off debt the beginning of this year. After doing so they cut my credit limit to XXXX which messed up my credit score. I  called to ask them why? They claimto do a random " credit check '' and said my income changed. I said, " well I just paid off my card and I have made on time payments and they refuse to help me. I also set up auto draft from my account but, I had to change bank accounts and forgot to change my info online for my accounts so in return, I was late but I contacted them to let them know I had to mail a payment off because I did n't have a checking account anymore. Then they said because I had made a late payment that they are closing my account even after communicating with them about this issue and when I go online to check my account because I enrolled in a paperless mailing, it does n't say I 'm late. It says they received payments for a payment that they said they did n't receive. I have been making on time payments until this year and when I was late I called and also payed fees when I had too. I feel like I 'm being personally attacked because I payed off such a large debt in one payment. My boyfriend has an amazon card and has been late more than me and they never cut his credit limit or closed his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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. (FL)

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2023-03-03
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: EQUIFAX, INC. (LA)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I transferred {$700.00} to the owner of a business XXXX XXXX XXXX and XXXX XXXX. on XX/XX/XXXX as a deposit for granite countertops. They were to be installed on XX/XX/XXXX. I still haven't received the countertops or the entirety of my money back. Through a series of communication I have managed to get back {$200.00} with daily promises to return the rest. I do not feel that it's fair that nothing can be done about this transaction fraud because this is a known individual with a legitimate business registered in the state of Florida.

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 2020-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (CT)

Complaint:
I bought a car in 2018 from BridgeCrest XXXX in Florida. They charged me a rate of 24.9 % knowing I couldnt afford it. I know Florida law is 19 % they allowed the other party to Modify the Loan with just her signature and not mine when my name was printed on the bottom where I was supposed to have signed. I told them not to modify the loan. The vehicle Went to repossession and they did not send any notice to me about it to the new address I provided them. They intentionally sent it to a previous address. I had no idea that the car was actually repossessed or that it was sold at auction. My credit score is  harmed because of a predatory lender and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Complaint:
In XXXX my car repossessed and the law office of XXXX, XXXX and XXXX took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX. They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making payments.

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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
XXXX This account has incorrect information that is inaccurate, I want TransUnion to delete this account due to so many errors on it. First is the date that the account was opened, second is the high credit amount and third is the date that the account was last active. By law this account must be reported 100 % correct and clearly this account isnt.

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 2022-09-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (AR)

Complaint:
XXXX has stated that I XXXX XXXX a natural person owes an alleged debt. 
Cascade Capital stated this as well. I've asked this Corporation to provide me with XXXX proof of alleged debt by requesting the XXXX XXXX, XXXX, and the wet ink signature between myself and XXXX CONSUMERS. XXXX provided a voided contract along with the payment receipt and a response stating that CASCADE CAPITAL IS NOW THE ORIGINAL CREDITOR OF alleged debt. How can this CORPERATION be the ORIGINAL creditor when in fact I am the Original CREDITOR. CASCADE CAPITAL IS ALSO trying to collect US currencies on a zeroed-out debt that has been paid in full due to sending a XXXX to the IRS. Both CORPERATIONS are in VIOLATION of 15 USC 1692b ( 2 ) due to not ever doing business in neither area ( XXXX ) They are in violation of 15 USC 1692k ( a ) due to me struggling and not being able to purchase a vehicle or a home due to reporting alleged debt on my CONSUMER Report. 
CASCADE CAPITAL has yet to provide me proof that they are original creditor. Cascade stated they would send Validation in the mail. I still have not received it.

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 2022-11-15
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: Grain Technology, Inc. (MD)

Complaint:
I filed a police report, disputed with all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
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. (AR)

Complaint:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2018-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc. (TX)

Complaint:
These people threatened to put this on my credit when I told them that it was not me that opened it. They put it on my credit as late payments as well as into collections. This brought my score XXXX  points down

Company response to consumer: Closed with explanation