hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-19
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. (AZ)

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXX XXXX XXXX  Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glass Mountain Capital, LLC (FL)

Complaint:
I kelp receiving phone calls from a company saying they were collecting a debt, however the company that they trying to collect has fraudulent information. I have proof from one of the statements with a different account information were listed must be same companies with different cards that were issued. It looks like they amount were from XXXX and the company says bills were from XX/XX/XXXX-XX/XX/XXXX and the debt look much older and the company wants to make as it look charges were recent. I have called the company to resolve this issue no one wants to talk they only talk in threatening language and wants to add me to that's over 7 years ago on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Account number XXXX Credit limit {$500.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit card This account is not being reported to XXXX or transUnion Account number XXXX Credit limit {$8200.00} Open/closed Open Date opened XX/XX/XXXX Account type credit card This account is not being reported to XXXX or transUnion Account XXXX XXXX Credit limit {$21000.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit Card This account is not being reported to XXXX or transUnion Account number XXXX XXXX limit {$20000.00} Open/closed Open Date opened XXXX XXXX, XXXX Account type Charge Card

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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Complaint:
On XX/XX/2022, AES/XXXX  ( XXXX AES '' ) reported to consumer credit agencies that the subject student loan account was " Closed '' and that it was " flagged ... as not paying off [ the ] balance and [ I ] can not be located. '' This resulted in a XXXX point credit score reduction. Upon further review of the credit report, AES reports that the account is greater than 30 days delinquent in that no payments were received in XXXX or XX/XX/2022. XXXX XXXX documents that AES did, in fact, collect automatic payments for XXXX and XX/XX/2022. Today via telephone AES confirmed that ( i ) the contact information associated with the account is in fact correct, ( ii ) that the account is open and not closed, and, ( iii ) that the account is current and paid as agreed. AES will not, however, correct the erroneous reporting without a formal consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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: Experian Information Solutions Inc. (MS)

Complaint:
FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.

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 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (TX)

Complaint:
I had 5 items in medical collections. I called to settle a pay in full and was promised a letter would be sent to me advising the collections were taken care of 3-5 business days. I have yet to receive the letter and when I call, I am now been told that it can take 30+ days for them to issue the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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: Bread Financial Holdings, Inc. (NY)

Complaint:
XXXX XXXX XXXX XXXX I am utilizing for monitoring suspicious activity on my name going on since XXXX XXXX XXXX Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was last informed on XX/XX/2023 by phone to dispute these items with creditors to resolve and update whats on my credit report. There are two fraudulent acts taking place on my account. Someone tried to open up an account for the purpose of sporting goods. Where my name wasnt used but, my social security and date of birth was but, when life lock reached out to the company who, would have provided the credit. The Comenity Capital BankXXXX XXXX XXXX XXXX was unable to review the account information due to the name not being the same but, it was reported to the credit bureaus behind my social security number. My social security number seems to be on the XXXX market and someone is impersonating me with my email address beginning in my name XXXX. The sole purpose for the life lock with XXXX is so, when anything is going on under my identity there company is able to see it sooner and work with me timely to avoid this situation because its affecting me from receiving housing, employment and its a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Messerli & Kramer P.A. (MN)

Complaint:
As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from Messerli & Kramer PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXXXXXX XXXX 
I will also attach the letter sent to Messerli and Kramer below.

15 USC 1692 ( e ) and 15 USC 1692 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

Complaint:
On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters. 

My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.

I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.

In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX-XXXX,XXXX XXXX XXXX XXXX , GA 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 2023-02-22
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. (NY)

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
Some people used my las name but with diferent secund las name 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 2023-08-16
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: Experian Information Solutions Inc. (NM)

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report 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

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 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

Complaint:
I recently received an XXXX XXXX XXXX Mastercard from Barclays. I promptly signed up for autopay. On XX/XX/XXXX, Barclay 's sent me the email below. 

XXXX XXXX Account Ending : XXXX Cardmember Since : XX/XX/XXXX (? ) Thank you for enrolling in repeat payments Your Card : XXXX XXXX XXXX Mastercard from Barclays Payment amount : Your statement balance amount Scheduled for : Your due date Bank Account Name : XXXX XXXX XXXX XXXX - XXXX Your first withdrawal date will be on XX/XX/XXXX, thereafter a repeat payment will be made on your due date each month. 

Since Barclay 's acknowledges that they received my payment **on the due date**, how do they have the NERVE to charge me a " late fee '' THREE DAYS BEFORE THE DUE DATE?

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 2023-05-19
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. 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 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nations Recovery Center (GA)

Complaint:
Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Your response to CFPB Complaint ID : XXXX included instructions to call XXXX at XXXX, extension XXXX. I have called multiple times during the hours that she indicates she is available. I left messages asking her to call me back. 

We can not access our account and have been unable to do so for over a year. You refuse to engage us in any substantive conversation and your customer service is not trained to handle a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (NC)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 2023-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Complaint:
I opened my account online yesterday ( XX/XX/2023 ) at approximately XXXX EST. I received an email at XXXX today ( XX/XX/2023 ) stating that my debit card had been activated, which it had not been sent to me yet. I tried to log into my account online and it kept telling me my information was incorrect. I called customer service and the first agent said they had to transfer me, so I was then sent to agent # 2. Agent # 2 said that I needed to speak to the fraud department and then transferred me there. The fraud department agent then told me there was nothing he could do after I stated to just close the account completely and told me that I needed to speak to customer service and hung up on me. I then called back again and spoke to customer service who told me that I needed to speak to the fraud department. When I requested to speak to a supervisor, they put me on hold and then came back to tell me that they can not transfer me to a supervisor because of some note on my account and that I needed to speak to the fraud department to even try and close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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. (FL)

Complaint:
On XX/XX/2018 I submitted a dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/XXXX Equifax replied with confirmation Number XXXX statingthey had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. They provided me with the following invalid address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

Complaint:
I went on XXXX XXXX XXXXXXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future.

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