hpe-ai/customer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX XXXX AND XXXX XXXXXXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY XXXX  DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... XXXX REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX  FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT DOCUMENTATIOM THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....

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 2019-01-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Collection Bureau, Inc. (VA)

Complaint:
They call my number and does not state who the debt is for. The company is XXXX. To collect a debt is for XXXX. I don't owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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. (LA)

Complaint:
On XX/XX/XXXX I submitted a letter to the XXXX credit agencies known as XXXX, XXXX and Experian. As of today XX/XX/XXXX, I have yet to hear from Experian. I heard from XXXX and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from Experian. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and Experian is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, XXXX is reporting that the account was charged off starting XX/XX/XXXX. However, Experian is showing that the chargeoff started XX/XX/XXXX. Also all XXXX of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, Experian is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that XXXX deleted this account because it is inaccurate. 

Exhibit D XXXX is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. Experian is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. XXXX is showing that the account was paid on time in XXXX of XXXX but Experian is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything

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 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (MT)

Complaint:
I went through Ameritech Financial to pay off my student loans and to receive a debt forgiveness. They have been taking a XXXX $ payment each month from my checking account for the past 4 years. I was only suppose to pay for 2 years. Now I have a loan company called XXXX XXXX who reported me to collections because I haven't paid my loan. I have no idea where my money went for the past 4 years and what's going on.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-19
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. (IL)

Complaint:
I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX XXXX bank last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX bank of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
First premier bank account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was noXXXX XXXX XXXX bank account XXXX was late on XXXX, XXXX and XXXX are all false XXXX XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
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 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AL)

Complaint:
I wrote a check to XXXX for XXXX. It took so long to cash it after 3 weeks I called and paid by phone and put a stop payment on the check with Wells Fargo. Wells fargo then cashed the check anyway and placed over XXXX on to my credit card without my knowledge. My score dropped XXXX points. I called WF and they took off all the fees then called over to WF credit card and informed them of what happened. WF removed all fees related to the charge and said it was taken care of. I disputed this score with the credit bureau and they said oh there is no fraud you score remains the same. 
They are still reporting it as though I had taken over XXXX in cash

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 2022-08-05
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: Experian Information Solutions Inc. (MI)

Complaint:
This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts, inquiries, and personal information listed as " InquiryXXXX XXXX XXXX, Employer : " XXXX '' XXXX Employer : " XXXX XXXX XXXX XXXX XXXX Name : " XXXX, XXXX '' on my Transunion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.

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 2022-08-17
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. (PA)

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (NY)

Complaint:
XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX. 

This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud. 

USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data. 

XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX. 

This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost. 

XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX. 

Respectfully yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Complaint:
In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.

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 2019-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I walked into XXXX XXXX with the intention of viewing some shirts. Expectedly, I was met with very push salesman eager to upsell me on a suit or suits. After some back and forth, I agreed to purchase two custom shirts and three ties. The merchant stated they would have the purchased items ready in 2 days time. Upon receiving my receipt, I noticed the total amount in XXXX was not what we agreed on in US dollars. 

At this point, I did not want to conduct further business with this merchant. I decided to leave the establishment to avoid confrontation and confirm my suspicion. In the taxi ride to my hotel, I confirmed they grossly over charged me for the merchandise, so I called to cancel this order that was placed just minutes before. Instead of honoring my request, they asked me to return to the establishment to be fitted for a suit. I declined several times and they insisted that they would not cancel my order. 

I politely declined to return to the store and simply asked to cancel the order before ending the call. They continued to harass me with follow up call via the XXXX. 

Proceeding the call, I contacted Capital One support describing the matter at hand and filed my claim. I have not received any goods from this merchant and have no interest in paying for merchandise I have not received or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10
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:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.

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 2021-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (FL)

Complaint:
I lost my son last year to an overdose. I admit there is a hospital bill. This company State Collection Services and their CEO have been issuing hits against my credit weekly over 6 times in XXXX alone for the same {$2200.00} doctors bill. The first 5 times they reported the account was in collection the amount owed was false. 
I filed a dispute via XXXX and the amount was dropped over {$1000.00} only after XXXX did the research. XXXX agrees that there is not a real reasonable explanation for them to list this debt so many times a month ( sometime twice a week ) and they speculate that it is purely punitive in nature. I do not dispute the debt. I dispute their practice of making XXXXne bill seem as though it is late every week. This is not true misleading and to my understanding against the law. This week State Collections has reported the same debt " in collections '' twice to the three credit bureaus. I am requesting that you take action against this company and their CEO XXXX XXXX. In my opinion XXXX XXXX is human garbage for the way that he has treated me in this terrible time of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Complaint:
In accordance with the fair credit reporting act XXXX # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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. (OH)

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. 

US DEPT ED : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) : Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) : Account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX, DEPTEDXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX : Account # 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 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 2023-04-30
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 — Was not notified of investigation status or results
Company: Thaxton Investment Corporation (AL)

Complaint:
I am writing to you to request validation of the debt that has been reported to my credit report by Covington Credit. I have not received any communication from Covington Credit that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity. 

I request that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The amount of the debt, including any interest and fees. 
A statement that validates the debt, or proof of my agreement to the debt. 
If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. 

Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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. (NC)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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