hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Again, I was a victim of identity theft and this is another request to block 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 reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. 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 the following items from my 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 XXXXXXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date 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 2020-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CA)

Complaint:
I made a payment of XXXX dollars to my Target credit card on XX/XX/2020. I checked my account on XX/XX/2020 and my credit limit is XXXX dollars instead of XXXX dollars. The funds were withdrawn from my bank account as a payment to Target. I called Target CS and they told me that even though I made a payment of XXXX dollars they are holding a credit of XXXX from my credit balance. They are refusing to tell me why. I have never had this happen before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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. (CA)

Complaint:
To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request  the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my 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 2021-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation (WA)

Complaint:
I received my unemployment on my NetSpend card I have for weeks and weeks it's never been an issue for me to get it don't have a card attached it and have tried several times to have a card sent to me they keep saying it's delivered yet my mother 's address has not received any NetSpend cards so every week I have to call and transfer money to a different NetSpend account I have that has a card attached to it this is never been a problem now all of the sudden because I had a disagreement with somebody in their call center I have to verify my identity I sent them a state issued valid identification card with the address matching my account any entire tax return from 2019 with my full social security number displayed as well as a bank statement with matching address as well still they refuse to give me access to my money I've given who I am they know without a doubt is my money so why does my address have anything to do with giving me my money the government put that money on there for me and somehow they think they can keep it please help me to resolve this issue without having to wait 2 weeks for a check in the mail when my bills were due yesterday thank you also, the card number I provided is actually the account number.

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 2023-03-04
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. (MD)

Complaint:
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education DebXXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified 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 non-monetary relief
Consumer complaint received 2023-01-10
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. (NV)

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

Complaint:
I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.

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 monetary relief
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (OH)

Complaint:
Many years ago I owed XXXX {$630.00} for a phone bill. 

The debt was sent to collections. 

XXXX XXXX was the debt collector. 

I settled for less than the full amount and received a Receipt saying that I settled for less than the full amount. I paid {$380.00} and I attached that receipt to this complaint and also gave it to XXXX and the new collection agency. The remaining balance on that account was {$250.00}. 

Recently, XXXX sent the remaining Balance to a new collection agency even though my recipe shows I settled for less than the full amount and clearly states they will not purse any collection activity. 

Now, a new collection agency, Allied Collection Services, is reporting on my Credit Report for the remainder of that balance.They say that until XXXX tells them not to collect they will continue to collect regardless of my recipe saying I settled with XXXX. 

XXXX says there is nothing they can do. They see that I settled for less than the full amount but the system does not allow them to change the balance. 


Companies Involved : XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Allied Collection Services ( 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 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX  : Received a phone call from XXXX from Portfolio Recovery Associates. Supposedly her last name is XXXX. They have identified the wrong person, I owe no doubts to such a company. Asked to be removed from their list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
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: CITIBANK, N.A. (LA)

Complaint:
Failure to remove credit check after they said they would

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 2023-05-20
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: Experian Information Solutions Inc. (MS)

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00XXXX XXXX XXXX  XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : $ XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX 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

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 2022-11-01
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT 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 1666B A billing error 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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. (NY)

Complaint:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Complaint:
I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX XXXX and Experians investigation.

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 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AR)

Complaint:
it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all. 

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (GA)

Complaint:
Bridgecrest Credit Company LLC XXXX I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed

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 2022-06-03
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: HUNTINGTON NATIONAL BANK, THE (NH)

Complaint:
Huntington National Bank  XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, Huntington National Bank, 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation