hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I noticed an old, disputed account reappeared on my credit profile. This item was disputed in XXXX and reappeared on my report XX/XX/XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 611 and Section 617 if the UNVERIFIED item/s listed are not deleted immediately. After the investigation this item was deleted. Unfortunately, the joy was short lived. The item has returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 1681I ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I havent received any of this, because of this, I am demanding you remove all information associated with this debt from my credit report instantly!

Also, under pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. XXXX never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this 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 non-monetary relief
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (CA)

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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. (NV)

Complaint:
I pulled my credit report form Experian and noticed that there is an additional ss number and phone numbers that are not mine or associated with me.

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 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
To whom it may concern, You already have copies of my statements from a prior report, copies from the past year that I just recently demanded and received from American Express Blue. Let it be known that I was communicating with a XXXX, recorded on their end, who submitted a stack of statements from the past year because I wasn't receiving them. These statements were requested several times to no avail. Upon our discussion, I asked what my interest rate was and he said it was XXXX percent. I asked why when I was at XXXX percent nor did I receive any notification of such interest increase because I did not have my past statements. He said, the promotional rate has expired and based on the economy, they are required to raise the interest. I understood to a certain extent based on the economy. However, I filed a complaint thereafter based on this and now in my XXXX, XXXX ( finally received ), my interest rate jumped from XXXX to XXXX percent, On the XXXX, XXXX statement the interest jumped again from XXXX to XXXX percent. If this isn't retaliation than I don't know what is. This does not happen! A full investigation is necessary and I would appreciate it if you would ask them for the telephone recording as well as the XXXX, XXXX, XXXX, XXXX and XXXX, XXXX statements. Those letters received from my past complaint were never sent to me! Ironically, you were sent copies of letters and statements that I have been requesting and only to be told, the post office may have lost it. Surely, the postman isn't perfect, but to tell me that in entire year the postman lost an entire year 's worth of statements is unconscionable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Complaint:
I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (VA)

Complaint:
I am submitting a complaint about not getting adequate help with reducing my payments to XXXX XXXX XXXX, loan # XXXX XXXX XXXX. My balance is almost {$300000.00} which I will never be able to repay. I can not make the {$720.00} loan payment they are asking for. Every year I call because the payment is too high and each year they put me on a Forbearance. They claim that I am at the lowest payment amount for my salary. They go by students gross salary and not their take home pay which is what should be calculated. They are not taking into account deductions that come out, a persons personal expenses to live. ( See enclosures ). 
I called XXXX XXXX XXXX on XX/XX/XXXX, and I spoke to XXXX, ID no. XXXX and she told me I can not switch to another payment plan as this is the only plan I can be on. I inquired about ungrouping my loans so that I can make payments to the lowest one and work my way up to the highest. She told me they dont do that. 
I do not want to continue getting forbearance as this is only prolonging my ability to retire. I am not trying to work until I die, but want to live out my senior years in retirement, not working for the rest of my life. 
I am writing to ask that you as my elected leaders, and The Department of Education change the laws so that once and for all students in debt be able to repay their loans without the hassle of trying to make a payment they truly can not afford to pay. 
Enclosed is copies of my expenses, my loan payment page with my balance, and scenarios of different payment options. Even if I sacrificed something in my budget it would not allow me to sustain basic living. I am however, willing to make a diligent effort to pay the {$420.00} payment I was paying when I started to repay in XXXX. I am also paying to support my daughter who has not been able to find employment since going to a school that has closed but the student loan company will not forgive her loans because she graduated. The school deceived my daughter in that she would be able to find suitable employment in her field of study. To date she has not so I am still financially taking care of her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (NC)

Complaint:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Complaint:
I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my credit.

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 2021-01-15
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. (NY)

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Complaint:
As of XX/XX/XXXX, we as a family have decided to pursue improving our credit and enquired information on how to get approved on purchasing a home. XXXX XXXX contacted us and asked for more information on our credit standing. We were told that 2 XXXX  XXXX bankruptcies from the year XXXX and XXXX were still active and it is hurting both my spouse and I 's credit score. We have confirmed from our previous bankruptcy attorney 's office that it has been resolved and it is in fact closed. In addition to that, we do not know any other information old or new that would otherwise impact our credit standing or credibility to purchase a home. Please kindly help. Thank you in advance.

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 2021-10-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

Complaint:
Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as past due balance. i do not know this company. I have never done any business with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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. (GA)

Complaint:
I received an invitation from Experian to apply for an XXXX Credit Card. The information stated that it would not impact my credit score. So I applied and noticed yesterday that my credit scorXXXX decreased by XXXX points. I called to speak with someone about this and spoke with a customer service manager named XXXX. She was nasty and rude. This is misleading information. It appears that Experian gets rewarded for the number of applications submittetted. This is unethical and fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Key 2 Recovery, Inc. (GA)

Complaint:
This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2019-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Complaint:
On XX/XX/2019, I made a deposit of {$530.00} into my checking account and the money was illegally/fraudulently withdrawn. Evidently, Wells Fargo Bank employees were micro managing and/or flagging my account status in order to process the unauthorized withdrawal and impose a negative account balance on its customers by charging them {$120.00} processing bank fee. 

I believe these financial misappropriations are premeditated in order to charge customers excessive bank fees. So, that Wells Fargo can recuperate the {$85.00} million dollar class action suit which, they already owe their clients by defrauding customers into unauthorized bank accounts. 

I personally visited the Wells Fargo XXXX Florida Corporate Branch location on XX/XX/2019 to dispute the matter in its entirety. I spoke to a Ms. XXXX XXXX, and explained to her that I was disputing the fraudulent transaction ( s ) amount in its entirety. Ms. XXXX, then misled me into believing that she would file a claim on my behalf all I had to do was sign a dispute. Instead she was deviant in having me sign an agreement that she had me understand and believe was merely a dispute of my checking bank accounts fraudulent activities.

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 2023-02-06
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. (MD)

Complaint:
Incorrect amount being reported to credit bureaus for vehicle loan repayment.

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 2021-06-02
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: EQUIFAX, INC. (NC)

Complaint:
I find it very disturbing that this consumer reporting agency is reporting inaccurate information on my consumer report. I am very knowledgeable of my consumer rights and they have violated me in numerous ways. They have ignored my disputes. Ive been sending letters and contacting by phone since XX/XX/2021 and they still havent resolved this problem. They are in violation to federal law. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Due to them violating my consumer rights If these items arent removed asap I will have to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: CITIBANK, N.A. (VA)

Complaint:
Hello, I have sent multiple dispute letters to XXXX to dispute a Citi Bank credit card account that is showing on my credit report. This is not my account. I have even tried contacting Citi Bank to see what this account is, even offering to pay any balance in hopes to get the collection off my account and they could not provide any information on this account due to them not being able to locate any open or closed accounts with my Credentials. I have tried contacting the collection agency reporting on my profile and they can not locate an account with my name, dob, or ssn. I have been trying to resolve this issue since late February when i first noticed it showing. I have called XXXX to inform them of what is happening, and the representative submitted another dispute that is now showing closed, but no corrections or errors have been updated. Now when i try and call XXXX for an update on the investigation i am unable to get through the automated system to a representative. I am unsure if there is something wrong with the phone lines. I am trying to purchase a home, and this is delaying the process. I can not get help from the Credit card company nor XXXX. 

I can be reached at XXXX or by email XXXX 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 explanation
Consumer complaint received 2019-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

Complaint:
A phone call was placed to L J Ross and Associates IN. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with XXXX   XXXX, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX  whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XX/XX/XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX   prior to my receiving the documents which is a violation of the  FDCPA, I spoke with XXXX  XX/XX/XXXX and explained i have not received the docs, she explained they "sent them out at the end of last month" which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Complaint:
I have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXXXXXX XXXX XXXX These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late 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