hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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. (SC)

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
Upon checking my credit report I've noticed inaccurate information reporting on my file. This information has to be someone else 's that's close in name cause these following accounts definitely not mines, please block these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX {$18000.00} 2 ) XXXX XXXX XXXX XXXX {$30000.00} 3 ) XXXX XXXX XXXX XXXX {$12000.00} 4 ) XXXX XXXX XXXX XXXX {$5300.00}

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 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Complaint:
On XX/XX/XXXX I received a deposit of {$6000.00} into my Capital One Checkiny Account. 

I have a XXXX XXXX and had a friend help me make the deposit. Capital one insisted that they know who was on the account for deposit and to call the XXXX XXXX XXXX XXXX, where the deposit came from to get a full identification of the depositor. 

I went through 2 weeks of hold and waiting for the funds to clear. I waited on hold for hours to have then connect with the other bank and was told by XXXX XXXX XXXX XXXX that they would not verify the deposit. Capital One would then not release any funds to me even after they said they were closing my account. I asked for a check to be mailed and that has not happened either. I need this money for emergency home repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
The account in question is not mine, as I stated in my initial complaint. Despite the fact that it says this account has been validated, the information is still incorrect. This account has to be immediately deleted from my credit record, as requested.

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 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Complaint:
I have been making monthly payments above the minimal payment due since XX/XX/2006, but my balance has barely changed in quite some time. I have recently requested a complete payment history from Navient so I might begin my own investigation, but I am almost certain that my balance should be well below what it is at this time. 
The balance was @ {$22000.00} to start and remains at @ {$19000.00} now, which seems high after 12 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. (GA)

Complaint:
XX/XX/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 XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.

Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.

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 2017-06-02
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. (MI)

Complaint:
InXX/XX/XXXX I was informed by the IRS that there was attempt to file a tax return in my name/SSN. I reported this to credit bureaus and federal identity theft. InXX/XX/XXXX I  received a credit card from XXXX XXXX XXXX in the mail - I did not apply for it. I immediately called and alerted the bank. I was ensured that I did not need to do anything else. 3-4 weeks ago I received a call from XXXX XXXX XXXX at work stating that I needed to sign some documents at that they have not been able to reach me for several months. It turned out they sent the documents to an addressed I lived 11 years ago. I finally received the documentation last week and returned it immediately. Today I received an email from XXXX that my credit line was reduced from > $ 10k to {$500.00} due to a credit report. I immediately request a free report and notice that XXXX XXXX XXXX filed a > 120  day overdue account on my report - I was assured that this would not happen. I called the bank and they were of no help. I also called Experian and requested to investigate the false report. I called XXXX trying to correct my credit line but they refused.

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 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

Complaint:
I am a XXXX veteran, and whenever I was overseas in XXXX, this company hounded me to pay on my autoloan. They kept making threats while I was overseas for an old autoloan i no longer have with them. Now, for some reason, I have a new autoloan with them. But this time, i am not overseas. But now my complaint is their high interest rates on their autoloan that i have with them. I really hate the fact that they hounded me overseas while I was fighting for my country. With the current autoloan interest rate, there is no way for me to keep paying this high car payment every month. Could you get them to lower the interest rate? If not, I will move forward and try to find someone else and let them repossess the vehicle and sue them for hounding and harassing me while I was overseas in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (TX)

Complaint:
I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. 

I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. 

I receive about 2 to 3 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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. (SC)

Complaint:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Complaint:
CITI Credit card was fraudulently updated from XX/XX/XXXX. 
Finally after escalating with the CITI CEO 's the account was closed on XXXX after talking to multiple Fraud supervisors. 
But again on XX/XX/XXXX teh Credit card was reopened on a CLOSED account and even the executive office can not close teh account or don't know how to close the account. 

I have all written EMAIL proofs and now they started issuing notice to make autopayment. 
Sequence of Events : XX/XX/XXXX @ XXXX PM CST- Email and Phone changed- got it fixed-Online XXXX XXXX AM CST : Email, phone, address and security word got changed -- called and spoke for XXXX Hour -- but was not able to authenticate XXXX after taking for 1 hour around XXXX AM CST letter was sent XX/XX/XXXX : XXXX am CST : XXXX : Phone email mobile wallet balance transer flex loan last4 digitsXXXX call from XXXX : XXXX PM CST Ref : XXXX XXXX : XX/XX/XXXX : Security Word got changed : XXXX XXXX XXXX  : XXXX : XXXX : spoke at XXXX am XXXX XX/XX/XXXX XXXX 
XXXX : XX/XX/XXXX -- XXXX PM XXXX ; XXXX : 30 days request XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Security Team : XXXX Fraud : XXXX Fraud : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX ; ref # XXXX XXXX spoke wiht whom on XXXX per XXXX. 
XX/XX/XXXX : spoke at XXXX am XXXX XXXX pm cst XXXXXXXX all update were done to fraudalent email and phone ; XX/XX/XXXX credit card XXXX ; got XXXX alert raf XXXX Supervisor citi-XXXX XXXX XXXX XXXX POLICE Complaint with XXXX, TEXAS XXXX ahs been filed.

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 2022-05-03
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act 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 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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. (FL)

Complaint:
I am writing this complaint on some unauthorized credit inquiries that I discovered on my credit report, none of the inquiries that I saw was not approved nor authorized by me and it violate my consumer right, In Accordance with the FCRA section 611 this companies violated my consumer right. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24
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. (NV)

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00}

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 2019-08-27
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. (OH)

Complaint:
Re : Notice for Proof of Claim Account : XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking  assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the  collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between ALL AGENCIES and that gave you the right to collect this debt.

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 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (OH)

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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. (MS)

Complaint:
Hi, When I pulled my credit reports, I noticed many hard inquires on my credit report. That shouldn't be on there at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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