hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This tradeline needs to be removed. A JUDGE declared iM Court that I am no longer responsible for this account. This was orginally a XXXX XXXX account, then sold to XXXX XXXX  and then to XXXX XXXX. It was dismissed making me no longer liable for account

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 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 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 2019-02-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complaint:
portfolio recovery continues to call my work phone at XXXX for an invalid debt & was told to stop. they also contact my home phone @ XXXX after being told repeatedly to stop. Under the fair debt collection act I do not want any further calls at either number. they also continue to use phone dialing voip systyms to contact me multiple times a day after being told to stop. they have also reported this adverse information which is untrue to credit agency 's. further abuse & further contact will result in filing a federal lawsuit. every call is now being recorded & entered into court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Complaint:
I was a Capital One Venture Card holder. On XX/XX/XXXX, I redeemed my Capital One reward points to order six XXXX gift cards, worth total of {$1000.00} USD ( five {$200.00} gift cards and one {$25.00} gift card ). I closed my Capital One account on XX/XX/XXXX, and double checked with the Capital One customer service representative that the gift cards I ordered were still being processed, and it would take 3-4 weeks. On XX/XX/XXXX, I receive one {$200.00} gift card, but still did not have the other five gift cards. On XX/XX/XXXX, I called Capital One customer service to inquire about the missing gift cards, and the customer service rep informed me that I would receive them no later than XX/XX/XXXX. On XX/XX/XXXX, I called Capital One again, and the customer service representative told me that because I canceled my credit card while the gift card orders were still " under process, '' the gift card orders were all canceled ( except the first gift card they mailed out ) due to account was " not in good standing ''. They could not explain why the reward orders were not processed in the two weeks between my order and me closing the account. Even the customer service representative admitted that it was unfair and bad customer service, but she unfortunately had no power to assist me. There were no alternatives offered. Over the phone, I even asked for the verdict in writing and was denied. Capital One informed me that I would not receive {$820.00} in gift cards, from the rewards that I earned over multiple years, believing that Capital One would honor their program. Capital One did not warn me that my reward orders would be canceled when I closed my account, and at no point in my multiple communication with Capital One did any customer service agent inform me that my orders had been canceled until my third phone call with them on XX/XX/XXXX. Through the Capital One customer service representative, I filed an appeal over the phone on XX/XX/XXXX, and I was told I would receive a response prior to XX/XX/XXXX over email. As of XX/XX/XXXX, nobody from Capital One has attempted to contact me. When I made the gift card orders on XX/XX/XXXX, I believed that I could use those gift cards to purchase necessities and gifts for my friends and family, but at the end, I was out {$820.00} worth of reward points that took years to build up, the effort to make multiple phone calls and staying on hold for long periods, and hours of frustration during the holiday period. Capital One justified all this on the fact that I canceled my account more than two weeks AFTER I redeemed my points, and again they did bother communicating their unfair policy with me at any point. My account was in good standing during the entire duration that I was a credit card holder with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information.

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 2023-08-29
Product: Credit reporting 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Complaint:
On XX/XX/2021, I placed a call to Wells Fargo about unauthorized transactions on my account. I later called on XX/XX/2021 to receive the resolution about the fraudulent charges and they indicated that the claim has been denied, due to response indicators. The responses that the XXXX noted, were not consistent with the answers that I gave the XXXX during the recorded conversation. Wells Fargo has not shown the burden of proof of authorized transactions. The charges are fraudulent and are with a merchant that I have not consented business with. I am not liable for the transactions, therefore, the full amount that has been charged needs to be reimbursed to my account. I have spoken to Wells Fargo about my complaint, but they have not accommodated this issue, leading me to further enforce my legal rights with several other entities. Thanks.

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 2023-06-16
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. (CO)

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Complaint:
Someone used my name and DOB for a Hospital bill. 

This is not the first time that a person with a similar name has been shown in criminal reports using my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP (TX)

Complaint:
Hello. My name is XXXX XXXX. I am an XXXX XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, Texas. I was XXXX to XXXX for nine months from XXXX XXXX XXXX. Before I was XXXX, I was making an automated car lease payment with Honda for two years. However, when I was XXXX overseas, my automated payments had stopped, which hurt my credit score. I discovered this news after I returned back to the U.S. and went to Honda because I thought my lease had matured. Honda never reached out to me during this time so I had no idea the payments were not being made. Honda also told me that I had a repo on my account, which is hurting my credit score. However, my car was never repossessed so this is a false repossession claim that I am currently suffering from. I called Honda Finance several times and spoke to my local Honda dealership but they did not help me with this situation. Instead, I was coerced into refinancing my current car with a high interest rate because I need a car for my work and to rebuild my credit. They told me I could not get a car anywhere else and no dealership would work with me because of my bad credit. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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. (MD)

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, U S DEPT OF EDXXXX, Company Inquiries : 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 explanation
Consumer complaint received 2017-05-29
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. (TX)

Complaint:
I have  XXXX  child support accounts show up on my credit report that is NOT mine. This started about 6 months ago, when I noticed them I began trying to figure out what to do and how to do it because I disputed it and the bureaus said it was a " valid or verified account '' which made me laugh because the Child support office s aid 2 week s after the agencies claimed to have investigated that the bureaus need to contact them. They provided little help as well ... they did send me a letter which I 've forwarded on to the credit bureaus, and have n't heard anything back as of yet. Little frustrating because I wanted to look at buying a house and I ca n't and anyone that runs my credit things I 'm lowa quiet life that does n't pay his child support. Not sure what else to say or do but I 'm going to upload what I have based on the internet and different resources.

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 2022-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Child Support Recovery Services, Inc. (MD)

Complaint:
This is a request for proof of contract to substantiate CSRS claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If you can not provide me with a copy of MY signature on a contract, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. 

I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2018-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Complaint:
Disputed the debt multiple times with collection agency asking for validation of debt. Collection agency keeps sending me copies of statements as validation. I am asking for something to show that the debt is actually my debt.

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 2020-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected 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 2023-03-31
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. (AL)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2018-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that Transunion XXXX XXXX  will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of today XX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on 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 2023-01-11
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. (TX)

Complaint:
Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX XXXX  is discharged .Please remove it from the remarks and my report entirely

Company response to consumer: Closed with explanation