hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-19
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. (CA)

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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
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: I.Q. DATA INTERNATIONAL, INC. (CA)

Complaint:
ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  IQ DATA INC/RENT  COLLECT GLOBAL, REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  IQ DATA  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,   XXXX   XXXX   AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/XXXX   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS   XXXX   XXXX  ND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 3 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION (NY)

Complaint:
Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.

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 2022-05-17
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated 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 explanation
Consumer complaint received 2022-09-26
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. (VA)

Complaint:
In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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. (FL)

Complaint:
HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!

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 2023-04-24
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: Experian Information Solutions Inc. (VA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX XX/XX/2023 You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX account # Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681, section 602A ; Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a consumer report under an open-ended credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act Sincerely,

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 2017-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Complaint:
On XXXX I received an email from XXXX XXXX stating that had a XXXX balance XXXX XXXX the morning of the XXXX by XXXX on the same day they sent me a overdraft fee of XXXX. This is not the 1st time XXXX XXXX had done this. I have spoken to several customer service agents about XXXX XXXX not giving customers enough time to deposit the funds. It seem to be that immediately after your account becomes overdraft they charge you a fee. The few agents I talk to told me two different stories. One was that they give you 24 hours to clear your balance and the other said you have until XXXXXXXX XXXX that day. So far they do not allow the customer enough time to deposit the money and this is unfair to the customer

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 2022-04-18
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. (FL)

Complaint:
I sent a letter to Transunion on XX/XX/22 in which according to the XXXX tracking the letter was received on XX/XX/22. In accordance with FCRA 611 ( a ) ( 7 ), I requested a description of the dispute completed on XX/XX/22 to ensure the completeness and accuracy of this record being reported by Transunion. On XX/XX/22 ( Letter Attached ) I received a response from Transunion explaining the process the company takes when completing dispute investigations. According to the letter, Transunion claimed that they contacted the XXXX XXXX XXXX Florida Located located at XXXX XXXX XXXX XXXX XXXX  XXXX, phone number XXXX. Please see the attached letter I have sent to Transunion with proof from the Deputy Clerk who has certified that they " DO NOT '' provide case information, if any to credit bureaus. As it currently stands, Transunion has violated FCRA laws which required " Completeness and Accuracy '' items on a consumer report and disputes investigations. I am requesting that this record be removed from my record within 5 business days of receiving this notice. I will be sending an official certified letter with my intent to escalate this matter, should Transunion fail to comply.

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 2023-02-06
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. (UT)

Complaint:
I HAVE REPORTED TO THE CREDITOR THAT THIS ACCOUNT IS FRAUDULENT.

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 2022-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Complaint:
This company randomly appeared on my credit report and I have no knowledge of them whatsoever, my credit report reflects the fact that all my bills I actually owe are paid on time and current, they do not belong on my credit report and need to be removed as I have zero association with them...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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. (LA)

Complaint:
On six different occasions, I have disputed information with EXPERIAN that is not correct. I even sent them the information from the other two reporting agencies showing them that Experian 's info is incorrect and  that I was a victim of identity theft, that I have never been late on my accounts, and that all of these reportednames they have on file ARE NOT ACCURATE!!

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 2019-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

Complaint:
Debt paid through office XX/XX/XXXX and submitted as paid to Focus Recovery on XX/XX/XXXX. Focus recovery proceeded to put on credit report on XX/XX/XXXX after DR office informed them it was already PIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (GA)

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
After months of intense disputing with the credit bureaus, Capital One, and XXXX XXXX directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from XXXX XXXX!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (TX)

Complaint:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a XXXX  Follow-Up Letter ( XX/XX/XXXX ), and a XXXX  Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent XXXX letters asking for a correction to my credit report. 

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine XXXX times. On different occasions, I have received responses from all XXXX  credit bureaus with confirmation of these medical collections being removed/deleted from my credit report. 

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX  XXXX with Account Number XXXX for the original creditor " XXXX XXXX XXXXXXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXXXXXX with account number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Complaint:
I 'm a customer with Navient , the Largest student loan servicer ; which in this case it has harmed me more so than helped me as the borrower throughout the repayment process. With having to do forbearance over a period of time, it literally made my small loan turn for the worst with owing nearly five times of what I borrowed. The company has failed to admonish myself about other payment opportunities that would be suitable for my situation, yet along explain the process of how false leading forbearance may be with add ing more interest to the loan. For which so, I 've been taken for granted and wish to look into lawsuit actions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
Transunion sent a letter on XX/XX/XXXX File # XXXX stating they will not delete inquiries on Consumer report. Consumer has a police report on file since XXXX and Transunion has confirmed but will not acknowledge police report stating the inquires will remain on Consumer report for 2 years. 

Transunion continues to fail to acknowledge they are the furnishers and is not reporting accurate information from identity theft. 

Violations 15 USC 1692k {$1000.00} per violation

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 2019-08-13
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: AMERICAN HONDA FINANCE CORP (CA)

Complaint:
XX/XX/XXXX I sent all requested documents to Honda Financial and XXXX stating that I was a victim of identity theft also I opened a dispute with both Honda Financial and XXXX. This account has been deleted from both XXXX  and XXXX but it's still reporting in XXXX. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX  diagnosis.

I've also completed and faxed the ID Theft Affidavit to Honda Financial Services on XX/XX/XXXX. I have not received a response or updates on the status of my case.

Company response to consumer: Closed with explanation