hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NV)

Complaint:
I recieved a letter from a collection agency C & W Caine and Weiner in XXXX Texas stating that they were attempting to collect on a debt owed to XXXX XXXX XXXX in the amount of {$460.00}. This is erroneous. I rented several vehicles over several months from XXXX ' XXXX Airport location. ALL rentaLs were returned and paid on time via my personal VISA debit card from XXXX XXXX. I have documentation to suport this. 

The collection company in question is Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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. (PA)

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
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: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In  general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from Navy Federal Credit Union XX/XX/XXXX inquiry XXXX   XXXX XXXX I Called XXXX and XXXX twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (VA)

Complaint:
I got subpoenaed by Wells Fargo to go to court over a credit card I had defaulted on. I went to court, but the lawyer from Wells Fargo did not show up and the judge dismissed the case. This happened probably in the middle of 2019. Today I checked my bank account and Wells Fargo had taken {$850.00} out of my account and left me {$100.00} for myself and my XXXX kids to live off of for the next 2 weeks. I called them and told them the case was dismissed, the agent told me they refiled and were granted a judgement against me. She also stated that the subpoena for the second case was left at my door. Which I never received, nor did I receive any letter from them stating that they would start deducting money out of my account, because I would've gone to make payment arrangements. She then told me to contact the law office that handled the case to set up payments, but they couldn't give me any of my money back to live off of in the mean time. I'm going to call them again, I just don't understand how they take however much they want putting me an my family in a hardship. Everything I have researched says the max they can take is 25 % after mandatory deductions. They took way more than 25 %, and next time, a little notice would be greatly appreciated.

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 2019-10-31
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: SUNTRUST BANKS, INC. (MI)

Complaint:
I filed a complaint with CFPB on XX/XX/2019 complaint number XXXX.After suntrust investigation , I received letter dated XX/XX/2019 denying my request to remove hard inquiry from all credit reports.I never gave Suntrust/lightstream permission to do hard inquiry ONLY soft inquiry.On my XXXX report it shows soft inquiry and hard inquiry from Suntrust.I only authorized soft inquiry knowing the impact from hard inquiries on credit reports.XXXX XXXX is totally wrong on her investigation.I requested a loan based on a soft credit inquiry with no impact.All my credit reports offer lightstream/suntrust loans on loans.These loans offered on credit reports are based on soft inquiries and current credit score.

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 2018-10-08
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. (CA)

Complaint:
I have previous on multiple occasions asked Experian to verify inaccurate items on my credit report. They have contacted me stating they have verified items that I asked to be verified. 
Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

Concerning XXXX XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current and list the terms of the loan. wonder how can a payment status be current if the account is in bankruptcy? 

Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

If Experian actually verify the information shouldn't the information be correct that is incorrect or if they cant verify the information delete it? 

All these accounts list a chapter XXXX bankruptcy, they include account status as current, High limits and all items that are not allowed to be reported from accounts in bankruptcy. 

My birthdate is listed as XXXX which is inaccurate and incomplete. They also list a address I have never resided at and it's a XXXX in XXXX of XXXX while I have been living at XXXX XXXX. XXXX XXXX since 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 2019-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: American Collection Systems, Inc. (DC)

Complaint:
The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
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. (DC)

Complaint:
I submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

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 2018-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
This company continues to harass me even after I sent a certified letter requesting that they first validate the debt and second cease all communications with me. This company buys debt that has been charged off by creditors and then threatens lawsuits, sends people to your house stating they are there to serve you court papers and actually files lawsuits. I sent them a certified letter on XX/XX/18. They signed for it on XX/XX/18. In XX/XX/2018 they filed something with the court. I'm not sure what it is. They sent someone to my house on XX/XX/18 to serve me papers. I was not home. They are harassing me over alleged credit card debt owed to someone else, not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Complaint:
I had a Bank if America XXXX XXXX  Visa card where for 6 months I called/faxed/completed numerous auto pay forms. 
I was told auto pay was set up in XXXX, would take 60 days to " activate '', called XXXX XXXX XXXX to confirm and was told auto pay was active and activated. 

I was then charged fees when it did not " auto pay '' correctly, and reported as 30 days late. I called to dispute and all fees and interest were reversed as it was plain as day there was an " auto pay error '' = it should have processed the payment from my asset account linked with auto pay that had funds available. But it did not. 

Please see the ledger notes confirming " bill pay error ''. There are a total of 58 comments on the ledger.

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 2019-10-04
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. (NY)

Complaint:
Accounts reporting are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..

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 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2023-08-08
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or removed as soon as possible. 
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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX accounts : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 an 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 2019-03-08
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. (TX)

Complaint:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

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