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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2017-03-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Complaint:
I was checking my account balance after XXXX and my account read XXXX  I knew i had at least XXXX  to my name. there was a hold on my account from my bank of XXXX dollars. when i contacted the bank Friday morning. I was given the phone number to XXXX XXXX XXXX XXXX of XXXX  XXXX. I called the law firm I had not received a notice that a bank Lien was going to occur. The representative sent me an email with a copy of the letter to me about the lien. My first issue is i already have a creditor garnishment of 25 % being deducted from my paycheck this stated last week. by the way both of these credit card debt are from XXXX both judgement occurred in XXXX and XXXX so i believe this is a very old debt. I guess there is a deadline that coming up so they both are suing me at the same time. my case is a hardship case. I do not always work 40 hours a week. I live in an expensive part of the country XXXX county Virginia. I have no savings. I do not own a car I own no property.I have plenty of medical bills for a medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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:
On XX/XX/2021 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. II 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 30days 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to 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 2022-06-12
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. (PA)

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT, I DEMAND THAT ALL OF THE ITEMS LISTED BE REMOVED TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. REMOVE THESE ITEMS IMMEDIATELY.

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 2018-03-14
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: CITIBANK, N.A. (CA)

Complaint:
This inquiry is unknown.

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 2018-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Complaint:
XXXX lease see attached printout from my US Bank online statement. I authorized XXXX to debit my account {$100.00} which left me just over {$2.00}. POSITIVE. They still charged me {$36.00}. I do not sunderstand how they could charge me if I was positive. I called and asked them to stop the XXXX   payment they said I had to call XXXX. THis did bring me negative and they charged me another {$36.00}. 

THesame thing happened two weeks ago and I had two employees tell me that was a bank error and it happens all the time. They reversed that one. 

I am a single Mom on XXXX. I can not afford this {$72.00} in fees. I am opted out because I do not want to go negative and pay fees.

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 2021-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Service Bureau, Inc. (TX)

Complaint:
MIDWEST SERVICE BUREAU, INC CALLED MY PHONE NUMBER XXXX. MY NUMBER IS LISTED ON THE XXXX REGISTRY. THEY ASKED FOR XXXX AND I TOLD THEM THIS IS MY PHONE NUMBER WHICH I HAVE HAD FOR SEVERAL YEARS NOW AND I DO NOT KNOW A XXXX. I ASKED SEVERAL TIMES FOR THE COMPANY NAME BUT THE EMPLOYEE XXXX REFUSED TO GIVE ME THE COMPANY NAME, TOLD ME IT WAS A WRONG NUMBER DIALED AND HUNG UP ON ME AS I WAS TALKING ( ASKING FOR THE COMPANY NAME AGAIN ). I HAVE BEEN RECEIVING CALLS FOR YEARS NOW ON THIS PHONE PERSONS CALLING FOR XXXX, I DO NOT KNOW HER AND I HAVE ALWAYS TOLD THEM MY NAME AND THAT THIS PHONE NUMBER BELONGS TO ME. MIDWEST SHOULD HAVE SEEN ON THEIR NOTES IN THE FILE THAT THIS PHONE NUMBER DOES NOT BELONG TO XXXX ANYMORE AND A SKIP TRACING WOULD HAVE SHOWN THAT THE NUMBER HAS CHANGED HANDS, BEEN RECYCLED AND IT NOW BELONGS TO SOMEONE ELSE, ME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2022-09-28
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. (NY)

Complaint:
I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
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 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
Three transactions were presented at the same time. It was the order in which they were presented and I was charged a {$35.00} handling fee.

The three transactions were onXX/XX/XXXX. {$1200.00} transfer, {$25.00} debit card and XXXX   debit card.

I requested bank to review order of transactions, remove the fee and deny the {$22.00} transaction since it had dropped off the account for two weeks, and then resurfaced. Either don't charge me the fee since all transactions were approved and processed when made, or deny the transaction that came back and should not process.

I did not sign up for banks overdraft on purpose.

I would appreciate your review and see what can be done to return the overdraft fee.

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 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2019-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (DC)

Complaint:
XX/XX/2019 XXXX : ComenityXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Comenity & XXXX must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX XXXX council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
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. (CA)

Complaint:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 5 and 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing  is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (AR)

Complaint:
XXXX refuses to have correct data on my report. West Lake Financial reported a commercial loan, and XXXX refuses to mark the account commercial. The amount of the debt is fraudulent, and I proved it. And there are closed accounts from XXXX  that XXXX will not remove. 

West Lake Financial reported to XXXX that the account had XXXX owed and was charged off. Yet, when I contacted Westlake Financial on a recorded line. I was informed that the past due balance was XXXX. This is a commercial account, and I was NEVER told there was an issue with this account. I have another account with them, and they chose to ruin my credit with a bogus amount. I agreed with West Lake Financial for XXXX, and they are paid in full. They said that they were sending me a tax document. Any tax documents to me are a bogus report, and I am filing with the IRS next. They do not have the title to send me and refuse to mark this account commercially. And they are predatory lenders that my bank has flagged as 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 explanation
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Complaint:
The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (WA)

Complaint:
In accordance with the fair credit reporting act these creditors and companies XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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. (NJ)

Complaint:
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (WI)

Complaint:
I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in 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 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation

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 2022-08-17
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. (GA)

Complaint:
Per 15 USC 1681G ( A ) 1, 15 USC 1681A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : MY RIGHTS HAVE BEEN VIOLATED AND IGNORED! 


I want this auto loan deleted from my credit report immediately. I have asked for about 1 year now for it to be removed. This is does not belong to me. It is fraud. XXXX XXXX has yet to provide verification of this alleged debt. I have requested every document they have with my name and social security number attached to be sent to me and they refuse. They have violated my privacy by sharing my personal information with other agencies without my consent, they have damaged my employment and other opportunities to extend credit, committed identity theft against me and did not provide information on how to opt out of third party sharing of my private information. This is a violation of my consumer rights. 

Delete and never repost this account on my consumer reports ever : XXXX XXXX Do not claim this is not me. I have sent my id attached as well. That is a stall tactic that you use.

Company response to consumer: Closed with explanation