hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-07-24
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. (IL)

Complaint:
It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2015-06-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management (NH)

Complaint:
Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-26
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-02-23
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. (FL)

Complaint:
XXXX XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2023-04-06
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. (WI)

Complaint:
I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told XXXX on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as XXXX XXXX XXXX XXXX XXXX ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and the XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed Equifax in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Complaint:
XX/XX/2018, I signed up a 3 year lease with Ally through XXXX XXXX XXXX for me to pay {$340.00} monthly on the XXXX of every month. I paid at least a few days before the deadline through my bank, XXXX. 
I had a car lease with XXXX before this, and that's how i did it with them and never had a problem. 
I have received a text about a past due from an unknown number a few times last month, at first i just ignored it, but this month i was curious so i logged in to my Ally account, and to my surprise, the amount that i should pay monthly has change since the beginning i guess. I was so mad because I've been paying on time and this might have affected my credit score. 
I checked my account and they have increased the amount since i don't know when cuz i can only see the past 12 months transactions. 
For any changes, they know my address, phone number and email, they should have sent a letter to inform me of any changes and reason as a courtesy to a customer or just for being responsible. 

I sent an email to XXXX and Ally but did not get a reply from them.

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 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2023-02-13
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. (NC)

Complaint:
This is my OTHER 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2021-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Slovin & Associates Co., LPA (IN)

Complaint:
XXXX XXXX XXXX, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!

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 2019-08-14
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. (GA)

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-08-04
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. (FL)

Complaint:
I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and TransUnion, XXXX, and XXXX has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.

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 2021-12-31
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: First Technology Federal Credit Union (NJ)

Complaint:
I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX. 

I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information. 

Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome! 



Sorry for the late reply, I have been covering for a few other mortgage loan officers this week. 



Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score. 



The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score. 

Any small impact incurred you usually get back the following month. 



Should you have any questions about the mortgage application process, please feel free to reach out this week! 



My direct line is 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 2023-05-08
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. (NC)

Complaint:
I have a fraud alert on my credit files. Today I found the following as a hard inquiry. 

I contacted them, and was told that my account had been approved and that credit cards were being sent out. I did not request this account nor did I attempt to open any credit cards or accounts. 

They verified my information and told me they would cancel the applications, cards and contact the credit bureaus to delete the inquiry. However I am very concerned with my fraud alerts being posted and them approving credit and cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD 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 2021-12-06
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: EQUIFAX, INC. (CA)

Complaint:
I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: GOLDMAN SACHS BANK USA (MS)

Complaint:
On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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. (NV)

Complaint:
my personal information has been compromised due to XXXX  data breach. I notice multiple accounts showing on my credit profile I never opened

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 2021-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (IL)

Complaint:
A purchase was made from a furniture store called XXXX XXXX XXXX  on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.

Company response to consumer: Closed with explanation