hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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. (FL)

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please help me with this situation

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 2021-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C. (MD)

Complaint:
To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint:
In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (IL)

Complaint:
I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (GA)

Complaint:
When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (VA)

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MI)

Complaint:
On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Complaint:
Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Complaint:
I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
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:
On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX  XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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 2018-10-17
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: EQUIFAX, INC. (NY)

Complaint:
On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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. (NC)

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP Buyer, LLC (CA)

Complaint:
I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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. (AZ)

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collection Service Inc (GA) (GA)

Complaint:
I have contacted professional collection service as well as the credit bureaus about the validity of this debt. I received a one page lease agreement that clearly shows at the bottom right 8 pages should be attached. I show only 2 payments were ever made so I dont even see a complete billing statement, proof of deposits or anything else. I asked for this information repeatedly as well as if this debt was verified by someone that has the credentials to do so and have not received a response. This is a violation to report inaccurate, unsupported, and unproven information and I would like it removed. I will attached copies of what I was sent and it was not a full lease or a full payment ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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. (TX)

Complaint:
n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

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

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 2021-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MO)

Complaint:
My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be removed 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 explanation
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Complaint:
I have an account that is reported as a Charge off ( XXXX XXXX XXXX ) but all the payments were made in time, i have two pictures to prove it. Please change the status of this account from Charge off to Paid as agreed or remove it from my credit report because this is inaccurate reporting. Thank you very much, I really appreciate your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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. (NY)

Complaint:
Transunion and XXXXXXXX XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the XXXX bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

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 2020-12-07
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: EQUIFAX, INC. (GA)

Complaint:
I submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.

Company response to consumer: Closed with explanation