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: 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. (TX)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report, This complaint will be my follow-up complaint to ensure the fixing of these accounts. 

OFFICE OF THE ATTY GEN XXXX Date opened : XX/XX/2023 Balance : {$15000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX, 2023 Balance : {$15000.00}

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 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Complaint:
The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from Synchrony to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.

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 2019-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (PA)

Complaint:
Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
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: EQUIFAX, INC. (CA)

Complaint:
I was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (IN)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation (PA)

Complaint:
I have been writing Credit Solutions and demanding that they tell me why they are on my credit. After several attempts at contacting them, they have sent me nothing at all. They have however continued to verify the information to the credit bureaus. The FCRA says that I am entitled to the information that is being reported about me to the credit bureaus. I demand that they remove this account since they have not provided anything to me whatsoever! PLEASE HELP 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 2023-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
i have called Transunion and i have notify them in writing that i am a victim of identity theft. Transunion have failed to maintain reasonable procedure to in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. According to the fair credit reporting act. section 609 ( a ) ( 1 ) ( A ), Transunion are required by law to verfiy, through the physical verification of the original singed consumer contract, any and all account that they post on a credit report. I was inform by several Transunion staff staying. there is nothing they can do. i was told they have a right to keep it on my report because my original file did not include those item. and they came back verified. I ask XXXX, XXXX, XXXX who all identify themself as the supervisor. and they will not delete. i demand to see verifiable proof ( i.e an orginal signature on it that you have on file for the account attach. under FRCA unverified account must be delete

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 2019-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (DC)

Complaint:
My account had {$0.00} balance briefly for only 3 days ( non XXXX for all other 2+ months, see attached ) and Wells Fargo closed my account, without any prior notification in any form. My average account balance has been positive the entire time ( average balance over statement period is what most banks use from what I've seen ) and I have been having it as my salary direct deposit account. I believe they just want to avoid issuing my account opening bonus of {$400.00} which I have satisfied all requirements so far ( > {$3000.00} direct deposit within 150 days and positive average balance ). Please see the screenshots attached of multiple communication efforts with the company without success and the account history.

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 2019-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (GA)

Complaint:
I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.

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 2021-06-14
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. (TX)

Complaint:
Ive made several requests with Experian in regards to an account with XXXX XXXX XXXX XXXX. 

I sent debt verification letters to XXXX XXXX XXXX XXXX, but never received written paperwork showing proof that I had done business with this company. 

Experian made the decision to keep the unverified information on my credit report. Due to the agent at XXXX XXXX XXXX XXXX being an Experian board member. This is not only unethical, but a direct violation of my right to verify debt and my right to have fair credit reports. If the written request isnt fulfilled its supposed to be removed per the Fair Credit Reporting Act. 

I have been fighting for my rights with Experian since XXXX when the account showed up on my credit report randomly. The account was removed from XXXX and XXXX in XXXX. As you can see from the photos below I have no collection for XXXX nor XXXX 

This issue with Experian has prolonged the purchase of my first home and its cause financial harm due to the negative payments reflecting 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 2019-05-29
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:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Complaint:
My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately XXXX XXXXXXXX from 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 2020-02-16
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: Continental Services Group, Inc. d/b/a ConServe (TX)

Complaint:
XXXX XXXX College reports to their collection agency Conserve negative inaccurate information account XXXX shows on my credit report. As of XX/XX/XXXX, this account with XXXX XXXX College- XXXX XXXX was open, and closed on XX/XX/XXXX ; the first date account late XXXX XXXX. The statute of limitations has expired as of XXXX XXXX. XXXX XXXX College- XXXX XXXX account is seven years expired as of XXXX XXXX. I have contact Conserve, and XXXX XXXX College twice in regards to removing outdate negative account from my credit report ; this issue has not been resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION (PA)

Complaint:
Fulton Bank has repeatedly allowed XXXX XXXX  to withdraw funds from my account despite the fact that I have told them that the withdrawals are fraudulent and not authorized. 

ON XX/XX/20 I informed Fulton the there was a fraudulent withdrawal from XXXX XXXX  for {$3.00}, and filled out paperwork to dispute the charge. I informed them that they should never allow any withdrawals from XXXX XXXX, as I do not have any accounts with XXXX XXXX. Now there is another fraudulent charge from XXXX XXXX, of {$6.00}, on XX/XX/XXXX. 

I sent a secure message through the web site a day or two ago when the charge was still pending, and told them not to allow the charge. They ignored me and allowed the charge to go through. " XXXX XXXX '' informed me that I had to pay Fulton {$33.00} for Fulton to prevent such fraud in future, and I had to come in and fill out a form to dispute the charge - despite the fact that the country is on lockdown and other banks permit electronic disputes of charges. It is not only an unnecessary inconvenience to come into the bank - it is a risk to my health and my life.

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 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 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 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 non-monetary relief
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MI)

Complaint:
I am requesting to file a complaint against Kia Motors Finance for incorrectly reporting my account as a charge off. I was involved in a car accident in XX/XX/2019, ( which I may include my air bags did not go off ). Following the accident, I received a balance of {$1500.00} in XX/XX/2019, that was still owed for my deductible and miscellaneous issues ( low tire tread, etc ), even though my car was considered a total loss. I did not have {$1500.00} to pay Kia up front, so I contacted them and was told by a representative of Kia, that I would need to pay {$250.00} a month until it was paid off. ( All calls are recorded, which I also requested to pull and listen to ). I had zero issue with that and I agreed to this {$250.00} per month payment and made payments monthly until I paid it completely off on XX/XX/2019. 
XX/XX/2019, I received an alert from the Credit Bureau that I had a negative remark on my account. After reviewing the remark and my severally dropped credit score, I noticed Kia had reported my account paid charge off. I was completely shocked considering I made the payments requested every single month. I contacted the Credit Bureau immediately, XXXX, to dispute this remark. I also took time out to write Kia my own dispute via mail on XX/XX/2019, stating that I never have been late on any payment with them, or ANY payments in almost 6 years of credit history. I attached all of the information located on my credit report for XXXX, XXXX, XXXX and XXXX as reported ON TIME. They did not report any months as late. Also, the summary of my Kia account stated zero late payments. I requested that Kia report my account as paid off, closed. On XX/XX/2019, I contacted XXXX to get the results of my dispute and was told that Kia stated my account was reported correctly as charge off. On XX/XX/2019, I was alerted of yet another remark of a late payment on my credit report for XX/XX/2019. Kia went back on my credit report and change my ON TIME payment to LATE! I can not believe they changed it, to cover themselves. 
Charge offs typically dont happen unless payments are severely late. When you start missing payments, creditors first send letters reminding you of your past-due bill. I never received a past due bill and my account was never sent to collections. 
This charge off remark dropped my credit score from a 750+ to XXXX. I have never had derogatory remark on my credit score and always have made my payments on time. Kia is dramatically hurting my credit now and my future. Especially of being a home buyer by inaccurately reporting information incorrectly. If this does not get removed from my credit report, I will be contacting an attorney for future investigation.

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 2020-10-20
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: Experian Information Solutions Inc. (SC)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-03-21
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

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

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Complaint:
The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MD)

Complaint:
On XX/XX/XXXX I noticed an unusual charge on my debit account for {$190.00}, from XXXX XXXX via paypal, something I had not authorized Paypal to pay. I have called both companies at least 4 times and get the same result which is to contact the other company. I was not even lookind for a hotel. Paypal is also arguing that i had an agreement set up with. XXXX XXXX to deduct this amount which again I had never authorized. I usually like to use only credit cards for hotel reservations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I checked my credit report today and I noticed that it says my student loan balance is {$220000.00} and that is incorrect. My balance according XXXX is actually {$190000.00}. I am being overcharged on my credit report which is affecting me negatively.

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