hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-06-30
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:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (CA)

Complaint:
On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Complaint:
I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my Barclays Carnival Credit Card. I submitted a dispute for this charge via the Barclays website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, Barclays continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, Barclays fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and Barclays admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. Barclays fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Complaint:
I requested my free annual credit reports from XXXX, Equifax and XXXX in XXXX as usual and have not received them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
On XX/XX/2020 I had an account at XXXX XXXX services for a vehicle lease and the lease was paid off and XXXX closed the account. Transunion dropped my credit score from a XXXX to a XXXX ( 70   points ) for no reason. I contacted XXXX  and they never reported a late payment or anything and account was closed in good standing and only change on credit report was the closing of this account. Disputed and Transunion did not change score. Currently at 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 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (KY)

Complaint:
My husband passed away on XX/XX/XXXX. The next week, as I was making cuts on bills, I chosed to have my internet turned on, and the cable turned off. I called XXXX. The guy I spoke with told me I had a {$20.00} past due. I was prepared to pay it, but he told me not to worry about it, that he was writing off my balance. Since then, I pay my monthly bill on time every month as I'm working on my credit score. 

Out of the blue, on XX/XX/XXXX, i received a notification from Southwest Credit Systems in XXXX, TX, that I had a past due balance from XXXX in the amount of {$140.00}, I needed to pay. 

Today, XX/XX/XXXX, I phoned XXXX and was told by two ( 2 ) people there was no past due balance on my accounts. I asked if they could send me something that said that so that I could send it to the creditor and was informed they could not send me anything or contact the creditor, but another department could so they transferred me. 

The ladies I spoke with ( there were two ), told me there was a {$140.00} balance and they demanded payment. I told them there was no money owed, so I asked them what we could do. The last one I was speaking with told me that I must pay it. I said that wasn't going to work until they could show me why two people said I owed it and two said I did not. She ended up hanging up on me. I never got rude or raised my voice. I know that I do not owe this money. I'm sure I would not have service with them now if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
I was a victim of identity theft back in 2014 were my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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. (AR)

Complaint:
I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.

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 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (DE)

Complaint:
I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: AMERICAN EXPRESS COMPANY (PA)

Complaint:
Hi I am using American Express Serve Card. I use it to get my direct deposits as well as purchases. Quite a few times I have noticed that things didn't add up as far as when I returned something me seeing the money added back to my card. The times that I call a rep just more so made it seem that I overlooked the return. Most recently I brought two things online on at XXXX for {$14.00} and XXXX XXXX for XXXX the money was deducted on out my account and place on hold pending the shipping. I also around the same time return an item at XXXX for XXXX and another for around {$20.00}. Because I notice a few time that I felt they were not properly returning my money. I transferred majority of my money into my saving to monitor the returns. Well now I have a negative on my account for XXXX. I called the and they told me that they took the hold off of the XXXX and XXXX XXXX and that the money went back to my account. And that when both items shipped they authorized my account again. I stated that was not the case I then told them that the only money that went back to my account was from the store return and requested to speak to the dispute department. After being on hold for like 20 mins and then the rep told me that the dispute dept refused to take my calling stating that the account was accurate. I don't agree! Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc. (NY)

Complaint:
National Credit Management has continued to contact me despite receiving a cease and desist letter from me and agreeing to stop communication after I filed complaint XXXX with the CFPB. NCM stated in their response on XX/XX/22 that this account was closed, but then verified the account through a dispute with XXXX as open and accurate on XX/XX/22. The collection agency is violating 12 CFR 1006.18 by engaging in deceptive practices by subjecting me to misleading representations of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Account status incorrect
Company: Sequium Asset Solutions, LLC (OH)

Complaint:
Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
In accordance with the fair credit reporting act XXXX XXXX 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

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Complaint:
This is my NUMEROUS 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 XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Complaint:
Complaint : I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance Corp. (IL)

Complaint:
Yesterday I called Exeter Financial to request help in suspending car payment this month and adding it back on to end of the loan-to extend the loan longer. During this covid outbreak, I am the only person in my household able to pay bills. They arent helping people out at all. Only waiving late fees. That really isnt helpful as I just need a break for the length that everything is shut down. My roommate/partners business is closed. I am the only one able to pay for anything. I have 3 kids. They have no policy in place to work with us who have loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC (WI)

Complaint:
The company CONST LLC also known as MyConstant  and MyconstantXXXX has suddenly shut down with no explanation to investors. CONST LLC ( MyConstant ) is a platform that operates like a XXXX  loan for peer to peer lenders to connect with cXXXX XXXX XXXX XXXX XXXX  are able to receive a USD cash loan by placing XXXX  as collateral for their loan. The loan is funded by a pool of money from USD cash investors. CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would auto sell in the crypto market if prices fell bellow XXXX  % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. On XX/XX/XXXX the company went XXXX. They informed all website users ( www.myconstant.com ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, XXXX on XX/XX/XXXX. I personally have {$5100.00} total : {$5000.00} ( loan investments and XXXX XXXX ) principle and {$100.00} interest invested with the company. As of XX/XX/XXXX, I can login to my Myconstant account and see that the total interest earned for investors remains growing rapidly but I am still unable to make any withdraws or request changes to any of my investments. Please assist me.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19
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. (IL)

Complaint:
The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX XXXX XXXX  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 interviews 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. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the XXXX XXXX XXXX but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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