hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Complaint:
I have tried to get my free annual credit report from TransUnion and always have issue and the system says is no possible. For now it will be the second year in a row that I can get my credit report from them and they can explain why so I lost the chance of having it because the system says there is a problem but doesn't explain what problem and marks the report with a green mark as if I have received the report already which is not right.

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 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (CO)

Complaint:
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX and other XXXX XXXX XXXXXXXX XXXX XXXX and other Over the last several months I have contacted the above mentioned companies to let them know I have been service connected XXXX and has had consistent medical coverage since the 80 's without interruption. I also contacted VA to verify this was accurate and indeed it was. Additionally I told the companies that had ambulance bills, that some of the hospital bills had been paid for further proof that he should not have any medical debt. I explained what I was told and that they had 6 years to file the claims and gave the persons phone number extension and permission to speak to the VA to resolve the issue and the companies that bought this alleged and unverified debt and after contacting the VA contact and not one made any effort to resolve the issue. Every time I have called all they want to know is if I will be paying with Visa or master card and when given the information to have the issue resolved if in fact it could be proved to even be my debt. I want the bills removed from my credit because I have made multiple efforts to try to resolve this issue and do not believe the debt is mine because I have had 100 percent medical coverage for decades. I should not be penalized for someone's inability to file insurance claims or debtors who can not prove debt and also will not do what is needed to resolve alleged debt. Since they made no effort to contact the VA I have no doubt the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-07-29
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. (NV)

Complaint:
According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act TransUnion and XXXX has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not Transunion and XXXX! according to FCRA all inaccurate information must be correct or delete 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 non-monetary relief
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

Complaint:
The Discover Account is reporting erroneously. The debt was fully forgiven and discharged, and yet the account is still reporting on my credit. This account needs to report a XXXX  balance or be deleted from my credit in its entirety. Please see the attached 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (NC)

Complaint:
Someone opened a fraudulent account in my name and needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you

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 2023-01-08
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. (GA)

Complaint:
A fraudulent account was opened up in my name with XXXX XXXX XXXX XXXX and they are refusing to block/remove this fraudulent account from my Experian Credit Report, which they are violating the 15 U.S. Code 1681c-2 and 15 U.S.C. 1681b and 18 U.S.C. 1028A. My next steps is to take Experian and XXXX XXXX XXXX to court to file a lawsuit. A resolution would be for Experian to remove this fraudulent account from my credit report immediately and comply to the laws above in this paragraph.

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 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Complaint:
XX/XX/2018 payment was on time. Company acknowledged error over the phone and has never corrected.

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 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Complaint:
Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.

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 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK (IL)

Complaint:
On XXXX XXXX XXXX, my checking account was frozen by the East West Bank. The reason they gave me was that I received my XXXX tax refund from IRS and they think this fund was " very suspicious ''. They asked me to provide all the confidential materials to prove that " I am eligible to receive the tax refund '', including the photo of my SSN, the tax refund forms, and my recent earning statements. I highly doubt if the East West Bank has such rights to collect confidential information from me. However, after I submitted all the materials, the East West Bank still refused to unfreeze my account. 

Meanwhile, East West Band continued to demand more materials that I do not have or never heard of, such as " letters from IRS that assigned ITIN to me ''. I am an XXXX XXXX XXXX and am working as XXXX XXXX XXXX XXXX XXXX. My income is simply the monthly stipend from my XXXX, so I have SSN and used SSN for tax refund. I do not have " letters from IRS that assigned ITIN to me '' and the East West Bank refused to unfreeze my account for such ridiculous reason. 

Moreover, I provide files from IRS including my tax return forms W-2, tax refund status. These documents clearly show my income and tax refund, these are all from IRS. However, they intentionally ignore these documents. 

Now, I am facing an extremely difficult financial situation because all my money is in this account. I would be very much appreciated for your help! Thanks a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, CITIZENS ONE AUTO FI add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

Complaint:
I had opened a citi bank credit card on XX/XX/2019. In order to open this card you needed to connect your bank account to put your own money on the credit card. It is not borrowed money from the credit card. You can only spend what you deposit onto the card. I deposited {$900.00} onto the card. Which came out of my bank account. On XX/XX/XXXX I had spent ONLY {$900.00} on a purchase. Which was my money I deposited onto the account. After i had spent my money that was in the card to make the balance {$0.00}. I called and closed the account because i only needed the card for 1 purchase. So on XX/XX/2019 the account was closed. On XX/XX/2019 I got something saying my minimum payment of {$25.00} was due. I didn't understand this because I had closed the account. Didn't borrow any money from them. Only used exactly to the XXXX what I had deposited onto the card. And now they are calling me telling me I owe them over {$200.00} when I had closed the account before the billing cycle. And only spent my money that I deposited.

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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida XXXX DOB : 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 2018-02-27
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. (NY)

Complaint:
I filed a dispute with Experian for a collections account that has been placed on my credit report three times from XXXX XXXX XXXX because the account is fraud and is more than 10 years old, 2007 to be exact. When I disputed it the first time, Experian deleted it and then Experian immediately opened a second investigation because at that point, XXXX XXXX had placed the account on my report a second time, but today I received notice from Experian that " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details ''. 

XXXX XXXX can not verify the account as accurate because it is fraud. This/these account ( s ) stems from XXXX XXXX charging me for utility services for an apartment that I sublet briefly in 2007!, sublet not rented, not leased in my name, and no utility legitimately opened in my name. I learned via a collection account placed on my credit report a year or two after subletting this apartment that XXXX XXXX allowed the tenant who was under lease for the apartment to connect utilities in my name and thereafter attached another fraudulently opened account open in my name for another apartment 5/6 years ago at an apartment where I did not live. This fraudulent account that XXXX XXXX is attempting to collect is not one stand alone account but in fact two fraudulent accounts that XXXX XXXX has combined and is attempting to collect. XXXX XXXX can not hold me responsible for utilities that were incurred as a result of fraudulent activity. The account charges are fraud. The first of the two fraudulent accounts stems back to 2007, thus is over 10 years old, and I don't know when they allowed the second to be opened, but it was 5/6 years go. The accounts are fraud and XXXX XXXX can not prove otherwise. 

Experian has repeatedly in the past removed this account that XXXX XXXX has sold to different collection agencies from my credit report because it is fraud ( and it is now over 10 years old ). Experian can not now claim that the information is verified as accurate when it's fraud. Just because someone has my name, ssn and birthdate doesn't mean the account they opened is a legitimate account ... that's why it's called identity theft.

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 2019-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (LA)

Complaint:
Westlake financial services I have no knowledge of this account and did authorize for anyone as a co signer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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. (NJ)

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Complaint:
I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. 
Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. 
My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! 
I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.

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 monetary relief
Consumer complaint received 2023-07-31
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: WELLS FARGO & COMPANY (AL)

Complaint:
Wells Fargo improper use of information

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 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Complaint:
In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.

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 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

Complaint:
There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 
2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 
3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. 
XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. 

Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 
2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.

Company response to consumer: Closed with explanation