hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-13
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
XXXX will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with TD auto Finance they also have potentially negative i contacts the td finance and they told me to dispute thru XXXX but XXXX will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my TD auto Finance the one that is open XXXX correctly I have never been late and I would like TS auto finance contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need TD a auto Finance to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}

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 2022-06-07
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: CAINE & WEINER COMPANY, INC. (OK)

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 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 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 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 2022-09-03
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. (CA)

Complaint:
n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ALL NEGATIVE ACCOUNTS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06
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: Experian Information Solutions Inc. (IL)

Complaint:
Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter responded on XX/XX/2021, stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXXXXXX XXXX Accurate?? They never did a fair investigation according to the 15 USC 1681. The clerk of courthouse pulled up the record by my social security number and name and address and no result. Please see attached with this complaint.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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 non-monetary relief
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-05-05
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: EQUIFAX, INC. (PA)

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX # XXXX BAL : {$680.00} XXXX. XXXX ACCNT # XXXX BAL. $ {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from 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 non-monetary relief
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

Complaint:
I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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. (CA)

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX 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 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MA)

Complaint:
i am a customer of Chime Bank for over 1 year! For 1 whole year, I have been a loyal bank customer with them, having my checks direct deposited into my checking account. I filed my taxes, and my taxes were set to be deposited into my chime checking account I believed to be on XX/XX/XXXX. in which, it was deposited! The next day as I'm going to cash my last check because I have been let go from my employer i received an email from chime stating that my account and funds are on hold! i proceed to call them to get an explanation in which they said that my account is being closed along with taking my tax refund that i worked all year for! I reached out to see what can be done to get my funds back and account and they generated a link to my email stating that they need two types of ID, proof of address, a selfie with today 's date, and a PDF stating where the funds came from and when it was deposited, ( although this is a national bank that is aware and documented what funds are being deposited into accounts knowingly that the IRS sent me my tax refund ) I still proceeded to work with them and sent them all information needed for them so i can regain access to my funds! ( they took my funds on the 1st of the month knowing i was just let go of my job and rent is due along with a whole list of other things ) I have called and emailed them and they seem to disregard all communications with me, not responding to my emails, generating a document link which i have completed on XX/XX/XXXX and they continue to ignore my phone calls and refuse to transfer me to a supervisor. I'm in need of help immediately i am going to get evicted from my house and have my cars repossessed and credit cards closed if i don't get help into getting my refund back. what they are doing is unlawful and disgusting ruining people 's lives and stealing from the hard-working class!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (MD)

Complaint:
Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.

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 2021-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Complaint:
My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian.

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 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage (NJ)

Complaint:
My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (GA)

Complaint:
XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX  in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer. 

My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX  in my hometown, in which I was in desperate need for transportation. 

XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest. 

This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.

Company response to consumer: Closed with monetary relief