hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
I reviewed my consumer report and I noticed the following accounts are reporting inaccurate and incomplete : 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Complaint:
I have reported accounts on my report that were fraudulent. XXXX, Equifax and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and  said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

Complaint:
I refinanced my student loans from XXXX to XXXX XXXX inthe amount of approximately {$360000.00}. This refinance payment from XXXX XXXX was processed by XXXX on XX/XX/XXXX. There was an overpayment of over {$4300.00}. I have asked XXXX about the status of the refund of this overpayment multiple times. I spoke by phone in XX/XX/XXXX to an agent who said refunds are processed within 30 days. It has been a month and a half. I have send their customer service department two emails, both have gone unanswered. They have provided no reasonable explanation that they would delay in issuing a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
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. (DC)

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Transunion I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile. 

I found inaccurate authorization of inquiries on my report that I want to remove from my credit report 1.XXXX ( Finance ) 2.XXXX XXXX XXXX XXXX ( FINANCE XXXX 3XXXX ( FINANCE ) Also I need a conformation that are no freezes or alerts that on my credit profile

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 2022-02-04
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. (NJ)

Complaint:
My name is XXXX XXXX XXXX, I am submitting this complaint to you to dispute many addresses, different variations, and spellings of my name of incorrect information that I found on this consumer report. Please remove wrong or fraudulent information. I have also included a police report and FTC Affidavit as I am and have been the victim of 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 2020-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (NV)

Complaint:
In Early XX/XX/2020 Simons Agency placed a collection account on my XXXX  report. ( Exhibit A ) Simons agency is claiming I owed {$170.00}. I never received documentation Or calls from Simons agency validating this debt and was provided no information on services rendered. They are in violation of the the FCRA. On XX/XX/XXXX after speaking with the collection agency, I called XXXX XXXX XXXX and they said I had a balance of {$190.00} which I promptly paid to them. ( Exhibit B ). I never paid anything to Simons Agency. There also appears to be a discrepancy between what XXXX  claims I owe and what Simons agency reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

Complaint:
This company has added 15 collections to my credit report in less than a month. I was in the process of getting a mortgage, and can no longer qualify for the lowest interest rates, since my credit score dropped 100 points. The debts do not belong to me. I have never been to a doctor, or hospital. I have even reached out to the original debt company, and they stated they have no records of mine. Ive asked this debt collector to provide me with any paperwork, in writing, but they refuse. They ask for me to call in. It seems to me like they have me confused with someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
The company has chosen to close this account. They have erroneously placed charges onto a card. They continue stating payment is due when they have failed to communicate. However, they erroneously closed the account outside of the realm of the equal credit opportunity act. This account was never past due, did not have inactivity, and no default whatsoever. My account was paid on time each month. Capital One chose to close the account, and they have chosen to forfeit payment because they closed the account. They need to stop billing me for an account they closed and for violation of the equal credit opportunity act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

Complaint:
XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: United Student Aid (USA) Funds (NV)

Complaint:
United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with 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 explanation
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCE CORPORATION (PA)

Complaint:
I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company One Main who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
My name is XXXX XXXX and I am submitting this complaint to delete the followingfraudulent items in my file that are reporting on XXXX and TransUnion Credit Bureaus. Iam a victim of identity theft and did not make the charge. I ask that the items be deleted tocorrect my credit report. I reported the theft of my identity to the Federal Trade Commissionand I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Ioffer my testimony herein that I have not authorized or given anyone access to my privateand confidential records and certainly not the alleged and also the inaccurate personalinformation showing on my credit report. I therefore request that you immediately removethese items from my credit report with your firm, or provide me with the exact source whereyou received such information, so I may take appropriate legal action. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX XXXX XXXX XXXX CA XXXX ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

Complaint:
There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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. (AL)

Complaint:
XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in XXXX  i was 19, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, trans union are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy

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 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Complaint:
Have disputed this account from XXXX XXXX with XXXX, XXXX, and Experian with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on 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 2022-03-04
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. (PA)

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP (MI)

Complaint:
To Whom It May Concern. 

I have been advised to seek legal action against Old National Bank regarding the continued false reporting of a " outstanding charged off mortgage with a balance of $ XXXX and updated regularly so it keeps hitting my credit score since XXXX! '' This is against the CFPB and well as the FCRA rules and regulations. Additionally on both XXXX XXXX, XXXX and XXXX XXXX, XXXX I brought to the attention of XXXX XXXX that fact that ONB was reporting a foreclosure without the mention of our agreed " settlement agreement '' of which I have been paying on since XXXX. I have copies of those emails received by her for which nothing or no corrective actions were taken by ONB. I had no idea that ONB was reporting the delinquency of this notes full amount since XXXX! 

I will be speaking with an attorney this week to seek legal action against ONB as well as compensatory and punitive damages. This issue has greatly impacted my insurance rates and denial of several loan applications including but not limited to a recent refinance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
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. (FL)

Complaint:
On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

XXXX XXXX XXXX  XXXX XXXX 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