hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Complaint:
On Approximately XX/XX/2023, I contacted LexisNexis aka XXXX XXXX and requested a copy of my consumer report and to place a security freeze on the account. On or about XX/XX/XXXX, I received confirmation of the freeze, but not the consumer report so I called to inquire about the report and was told it wasn't requested so I would have to do so in writing. So again I submitted the request also with verification documentation. Approximately XX/XX/XXXX, I received a link and password to the report which didn't work. 

On XX/XX/XXXX, I called to get support with accessing the report and also stated that I would like to dispute some items on the report. XXXX told me there was already a dispute and I replied, how is that possible when I haven't even seen the report so I would like to start a dispute now, she hung up on me. 

I called back and got XXXX, agent # XXXX from the XXXX who refused to take the information I wanted to dispute. I reminded him that I have a right under the FCRA to dispute any data they collect and that I never authorized or consented to them sharing any information about me, especially unverified public information. 

After several minutes of refusing to take my dispute, I advised him I was recording the call and would report them to CFPB and the Attorney General 's office or whoever I could report the too for violating my rights. 
XXXX finally began taking the dispute, but when I got to the section regarding the bankruptcy, he flat out refused to place the dispute. He insisted that it had already been verified and he would not put it in the report. I then asked for the method of verification. What clerk had they spoken with, what was the phone number and in which court. I then reminded him again that I was recording the call. I advised him that Indiana XXXX XXXX would not verify any such information and he could find that on their website, so unless he could show proof, I want all of the items I requested to be deleted. Finally he began the report and gave me a reference number. Then I noticed that their other company XXXX also had a report, and I asked to dispute it as well. They had a XXXX page report spanning over 30 years with people and places I either didn't know or addresses I never lived. I don't believe he actually submitted the dispute and that is why I am submitting this complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

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 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (NV)

Complaint:
We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
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. (MD)

Complaint:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
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 explanation
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MA)

Complaint:
My wife and I received an unsolicited VISA credit card in the mail from Chase. When i called to verify, they insisted that she must have applied for it. When she spoke with them they were very condescending and tried to convince her that she had applied for it. When that didn't work, they then insisted that it was really a replacement card on a very old account. 

It is my understanding that " Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). So, most companies don't send out straight-forward unsolicited cards. But some companies try to get around the law by sending " replacement '' credit cards for accounts that are no longer active. Sending these types of cards, if unsolicited, still violates the law. '' At best, this is dishonest and deceptive practices, but I really suspect that they are creating fake accounts again in hopes of drumming up business and feel that their best chances are to bully senior citizens into accepting such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Complaint:
I was an authorized user on my exes ( XXXX XXXX XXXX ) Capital One credit card. Though it reads that my responsibility was terminated, It is still reporting on my credit file that I can see, negatively. Since it was not a joint account and we requested me to be removed, that should not be an issue because the account was his. It was last reported XX/XX/XXXX is what it shows, the limit was {$300.00}. This account should be DELETED from my credit file altogether I also have a Capital One credit card account that does belong to me that was closed XX/XX/XXXX that has been paid off but is still reporting {$240.00} balance with a {$750.00} credit limit. 

I know that old collections have a heavy impact so I need to get them corrected for accuracy. I have 2 open accounts with this same company as well so maybe they are slow updating but it is affecting me greatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Debt Mediation, Inc. (FL)

Complaint:
The debt agency Professional Debt Mediation , Inc is being unprofessional and using language or terminology that I find offensive especially coming from a professional. The reason for the sarcastic behavior is because of me attempting to utilize the law to dispute a debt. A debt that was utilized to hinder my future and any other chance of receiving funding for my business or any other essential expenses in life. 

I have given nothing but respect.. I can not allow someone to misinterpret my character in a manner that it clearly needs addressing. 

Professional Debt Mediation , Inc Has refused to negotiate the debt and not destroy my credit report.. by law the debt falls off in 2 years roughly.. I am offering the initiative to payoff the debt in exchange of the debt collection agency removing the account and allowing me to seek funding from banks or lenders to assist with debt consolidation.. 

Consumers have the right to sue and seek damages from credit bureaus, users of consumer reports, and information furnishers that act in violation of the FCRA. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Professional Debt Mediation , Inc Has caused significant damage to the patent that I have. The credit report has remarks that lenders and banks are not lending until my credit report improves.. 

Instead of receiving the debt paid back with interest.. for example if the debt agency will agree to recycle the debt and turn it into a positive remark on the credit report that I can start paying on similar to a loan.. therefore it will reflect a positive credit score with every payment.. this will allow banks and lenders to see a positive impact on the credit score. Instead the company chose to frustrate me with their choice of words. 

Im asking for assistance because I did not give this company consent to furnish my credit report in the first place. 

I demand that the credit report company accept the offer that both parties can agree to instead of attempting to destroy my credit report and preventing me from utilizing my credit to fund a business or to help with essential expenses in life. 

Or I will be forced to sue for abuse based on the unprofessional conduct. 

I attached copies of my evidence..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (CA)

Complaint:
In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Complaint:
XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NJ)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
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. (NJ)

Complaint:
i did not consent to authorize the following inquiries nor do i have an account with the listed persons.

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 2023-04-18
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. (PA)

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2022-02-25
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (NV)

Complaint:
The accounts listed are not mine, nor did I authorize these companies to run my credit. Please remove them immediately. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Complaint:
XXXX  On XX/XX/2019my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats 117 points negative. 
When I called XXXX  I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to XXXX  I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of XXXX  if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like XXXX  cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my 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