hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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. (SC)

Complaint:
I have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (IL)

Complaint:
I opened my regions account on XX/XX/XXXX. 
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.

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 2022-08-20
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. (NC)

Complaint:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} 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 2022-03-06
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. (KS)

Complaint:
Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires SXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

Complaint:
I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.

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 2023-08-09
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. (IL)

Complaint:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: In progress
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (CT)

Complaint:
On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
I need to receive validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (GA)

Complaint:
Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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. (ME)

Complaint:
I have attached an FTC report with inquiries I did not apply for or authorize please delete

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 2022-01-30
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. (FL)

Complaint:
Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (WA)

Complaint:
There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf. 

The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NJ)

Complaint:
Discover has been calling me nonstop for days after telling them to stop. I explained I had a medical issue and had trouble making ONE payment that they are harassing me over. Dozens of calls and voicemails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (OR)

Complaint:
frequent robo calls. they say to contact Radius Global Solutions at XXXX. 
I have no debt nor have I ever used or had contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NJ)

Complaint:
To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
The credit Bureau has violated the Law and the FCRA by Reporting the two accounts below inaccurately on my credit report. I demand that the Credit Bureau removed the to accounts listed below from my credit reports immediately Ive never opened an accounts with neither of the creditors ever before : 1.Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX 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 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC (DE)

Complaint:
Credit Karma has not updated my XXXX credit score since XX/XX/2023. 

I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
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: EQUIFAX, INC. (IA)

Complaint:
In  XXXX  of   XXXX  , we applied at our local bank to refinance our home. Inaccurate facts were found on our credit report from Equifa x Information Services.  The inaccuracies were showing as fraud alert information. Our home address was listed as a hotel/motel and both of our SS numbers were questioned. We called and sent Equifax a letter in  XXXX  of   XXXX  . We did not hear back from them. These inaccuracies are hurting our credit score and keeping us from refinancing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc. (TX)

Complaint:
I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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. (PA)

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 explanation
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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. (NY)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX  XXXX filing this complaint. 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 non-monetary relief
Consumer complaint received 2023-03-08
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. (MO)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance : {$15000.00}

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 2022-11-09
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. (SC)

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 XXXXXX/XX/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