hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX XXXX XXXX has made it harder for me to obtain loans and get help in this hard time reporting false information to XXXX, and trans union causing damage to my credit score making it even harder to provide for my family it's been very stressful.

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 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
Synchrony bank was notified a number of times that this debt was a result of identity theft. They have since refused to take action despite efforts by my attorney. They have reported me to a collections agency.

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 2023-07-12
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. (TX)

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Complaint:
Experian has on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX which is wrong with no apartment number. 
Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2017-02-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pan Am Collections, Inc. (IL)

Complaint:
The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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. (MO)

Complaint:
I hope this letter finds you well. I am writing to dispute and request the removal of unauthorized hard inquiries from my credit report. As a vigilant consumer, I recently reviewed my credit report and discovered several hard inquiries that were not authorized by me. 

The unauthorized inquiries were made without my knowledge or consent. I have never applied for credit, services, or products with this company, making these inquiries both unauthorized and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and legitimacy of the information listed on consumers ' credit reports and remove them from my credit report immediately. 

In addition, I would appreciate receiving a written confirmation once the unauthorized hard inquiries have been removed from my credit report. This confirmation should include an updated copy of my credit report reflecting the changes made. 

Please note that I have also sent a copy of this letter, along with the attached documentation, to the respective company or organization responsible for the unauthorized inquiries. 

I trust in your ability to address this matter promptly and efficiently. I appreciate your attention to this issue and your cooperation in resolving it. 

Thank you for your prompt attention to this matter.

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 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Complaint:
I closed a real-estate transaction using XXXX XXXX XXXX XXXX  ( XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXXXXXX XXXX ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the two credit Bureau who were reporting this false information, being XXXX and Equifax. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( XXXX  ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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. (CA)

Complaint:
XX/XX/2023 I paid a full balance owed of {$32000.00} and they never updated 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
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Complaint:
Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX  several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!

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 2022-08-31
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: EQUIFAX, INC. (OH)

Complaint:
Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, XXXX and Equifax received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

Equifax- Sent an email asking to verify information they already have to furnish my credit report XXXX-I called them and they sent me to a specific agent that would not say anything once we were connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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. (KY)

Complaint:
I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are competely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are completely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.

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 2018-08-31
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. (TN)

Complaint:
XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX points

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 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

Complaint:
" Navient XXXX XXXX '' is what showed up on my caller ID. The Representative 's name is XXXX, he gave an employee ID # of XXXX ( or something similar ). 

He was asking for a " XXXX '' who he believes I know and was attempting to get " XXXX 's '' contact info -- he's tried many times to get hold of her. 

He called from XXXX and left a voicemail but asked for a return call to XXXX. I called back and told him I have no relationship with " XXXX '' and that I've asked in the past to have my number removed from " XXXX 's '' account. I have filed a complaint with the FTC and he said, " good luck, they'll keep calling. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

Complaint:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
I have a total of XXXX  insufficient funds fee from XX/XX/2020 through the present date totaling an amount of {$1000.00}. Due to the coronavirus our household income has reduced dramatically and I am the only person with income in the household. I feel taken advantage of every time I attempt to rectify the situation because I am a senior. I was unaware of the amounts of fees being taken from my Social Security income deposited monthly to Chase. I have been a loyal customer for 10 + years and no other options have ever been presented to me by the customer service and no one ever seems to want to help. Again due to my financial crisis caused by this pandemic, I started looking into my account and noticed all the fees charged to me just in this year alone. 
I feel that the total amount of fees should be refunded as a financial hardship courtesy and other options to avoid these fees should be explained to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

Complaint:
On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$1500.00} from XXXX XXXX  into the Chase account. Later that evening, I got a call from someone in an offshore call center. After some verfiication, she stated the transfer would not be processed, but refused to tell me why. Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

On or about XX/XX/2023, I initiated a bank to bank transfer from within my Chase checking account to pull {$750.00} from XXXX XXXX into the Chase account. Later that afternoon, I got a call from the same number as the call above, but was inable to get to the phone in time to answer. No messages was left and an attempt to return the call was met with a dead end recording and no option to get to a live person Upon logging back into my account, I observed that the transfer was marked Rejected with no reason stated. 

This type of action can not be tolerated. In all cases and valid reason MUST be stated and provided in writing upon request. A valid callback phone must be left to return the call and get to the person that placed it. 

There is a XXXX year unmarred history on this account, so these actions are not warranted. 

I have drawn my balance down to a minimum and will not redeposit any funds until I have a detailed reason as to why these transfers were not processed. From the dates and amounts provided above, Chase will have sufficient information to find the transaction numbers in question to prepare a detailed response.

Chase does not provide a direct way to contact people that take these actions. Customer service is an endless runaround of ineffectiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: World Recovery Service, LLC (VA)

Complaint:
World Recovery Service  ( WRS ) collected on a debt that I had back in  XXXX  of  XXXX . I received a letter from WRS that states that the account in question was paid in full. In  XXXX   XXXX  I received a phone call from a lawyers office stating that the original creditor was taking me to court because I did not pay my debt. I explained that I did pay my debt and that it was paid to WRS and they sent me a letter proving that my debt had been paid in full. The person told me that they had a string of debt collection agencies that had the debt after WRS. This means that WRS collected the debt but did not report it properly and allowed the debt account to be sold off to another company to collect on. WRS received money from me to pay of my debt and from another collection agency when they sold the debt to them to be collected on. I 'm not sure if this is just a mistake or if this is a trend with their business. I would like for someone other than the business itself to look into this matter to determine if they are failing to report payments they collect purposely and getting paid twice or if this was a one time error.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-15
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 — Their investigation did not fix an error on your report
Company: Synovus Bank (MA)

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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. (OH)

Complaint:
There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with Experian but they did not remove the account. Experian has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, Experian must remove the account from my credit report. Note that other reporting agencies such as XXXX  has removed 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 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mobiloans, LLC (CO)

Complaint:
I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-03
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. (IN)

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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. (IL)

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation