hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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. (VA)

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2022-08-23
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-11-15
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: Tromberg, Morris & Poulin, PLLC (NY)

Complaint:
Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company. 
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

Complaint:
My student loan servicer is MyFedLoan.org, and I have been inquiring about the reason for my interest being capitalized several times over the past several years. I understand that there are certain triggering events that could cause interest to capitalize, such as coming out of forbearance. However, the dates on which my interest was capitalized do not all seem to be supported by a valid reason ( although a couple of them do ). I've called a few times and submitted requests in writing to have someone research my account and tell me the justification for capitalizing the interest, but I have not gotten an answer - it's been a year. The interest capitalization represents around {$100000.00} so it's not inconsequential. I would appreciate some assistance in helping me ensure that my student loans are being properly serviced. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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:
I have inaccurate accounts on my report that does not belongs to 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 2022-09-02
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:
in accordance with the Fair Credit Reporting act 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 consunter reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: International Computer Systems, Inc. (DE)

Complaint:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXXXXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXXXXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was XXXX as of XXXXXXXX XXXX XXXX Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX as of XXXXXXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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. (MA)

Complaint:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX  XXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT 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 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE (FL)

Complaint:
On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney.

I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.

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 2017-06-29
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: EQUIFAX, INC. (AR)

Complaint:
This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On XX/XX/2019 I submitted dispute letters to XXXX, XXXX  and Transunion to delete inaccurate information from my credit report particularly a dismissed Bankruptcy showing on all 3 credit bureaus. XXXX and XXXX has responded saying they deleted it from my credit report while Transunion is refusing the same. Transunion has stated that they verified the bankruptcy and it is correct and belongs to me but i have yet to receive proof of that. I sent another dispute letter on XX/XX/2019 to Transunion to follow suit and delete like XXXX and XXXX  did but after being on the phone with them for an hour today and speaking to a supervisor I am being told that they will not process my most recent dispute because it's a duplicate. This needs to be deleted from my Transunion report because if the other 2 bureaus can't validate, how can Transunion and they use the same system.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MN)

Complaint:
XX/XX/XXXX XXXX XXXX {$180.00} Fraudulent Charge Posted XXXX I Filed Dispute with XXXX - XXXX XXXX XXXX Denied My Claim XXXX I Filed Dispute with Discover - XXXX Discover Denied My Claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Complaint:
I have been charged for years a service fee for something called ( Payment Safeguard XXXX )  and this is something I never requested neither remember approving it at all .... I use the card a lot and get hundreds of charges, so could not identify until now. 
I have called Citibank to cancel that and to apply full refund, however they simply cancelled and even with future date XX/XX/XXXX and not applying the rexpective refund with is very disappointing must say ...., attached is the oldest charges I could retrieve from XX/XX/XXXX and until today I have been charged {$690.00} and I have this card since around XX/XX/XXXX so  cant imagine how much I have been charged for over 10 years and need help with this refund please please, Thanks in advance and Best Regards, 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 explanation
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (IA)

Complaint:
As of today, I have received 4 strikes against my credit by TekCollect Inc, and yet have never received a notice that I owed anything to them. I have never received an email, letter, or to my knowledge a phone call ( unless they are number spoofing ) about any debt owed to them or any debt owed to other that they have acquired and are attempting to collect. 

I attempted to call them, and their number answering service for people trying to reach them about debt collection automatically indicates that the caller can not contact that number and then disconnects the call. I have no way to leave a message or to reach an agent to resolve the situation. 

I also believe that the use of aggressive and abusive credit strikes rather than contacting the person they are trying to collect against is a violation of consumer protections. I have received a strike on XX/XX/XXXX, XXXX, and XXXX of XXXX, again with no prior contact and no way to contact them to remedy the situation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Complaint:
want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EXPERIAN credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote EXPERIAN a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. EXPERIAN is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX - XXXX INQUIRY - - Attached is the letter i wrote to EXPERIAN in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2023-05-31
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:
This is my 8th 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 Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Valley Credit Service, Inc. (OR) (WA)

Complaint:
Vally Credit never sent validation of the debt and erroneously marked my credit for a bill i do not oweThe bill is a sewer bill from a residence I moved out of in XXXX of 2014. I canceled my service and the City of XXXX made no effort to contact me. I put in a change of address and no mail has been forwarded. 

I just checked the City of XXXX 's website and my cell phone is still on file. The city has never called me nor has the agency. 

No efforts have been made to communicate with me and the agency is violating the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 2020-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center (AZ)

Complaint:
Good Afternoon, I have received a collection notice from a company called ARSTART. I have made multiple reasonable attempt to make payment to these people however they do not provide any dates of service, any means of reasonable secure payment and also they do not provide any means of payment receipt. I have asked repeatedly for an email address so I can communicate with them in writing and they stated they do not provide any email addresses. This seems like a extortion for money. Upon further research there have been many lawsuits and investigations on this company with regard to medical fraud and also to extortion tactics on the elderly. 

Please let me know what other information you may need for me. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Complaint:
Navient had informed me that the my payments were current. A credit report showed that i was in good standing in XXXX loans but not the XXXX other loans. I called the customer service rep and they informed me that i was late on XXXX loans, and that i should consider placing the loans on deferrment.

Company response to consumer: Closed with explanation