hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-08-27
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. (TN)

Complaint:
Iver been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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. (MO)

Complaint:
I have been enrolled in school XXXX XXXX since 2016. XXXX XXXX XXXX and US Department of Education are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school XXXX XXXX. I have disputed the two XXXX  XXXX XXXX accounts and the two US Department of Education accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and US Department of education and both have told me that they will not change how the loans are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Complaint:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I demand to Delete those account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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. (FL)

Complaint:
On XX/XX/XXXX I contacted Equifax about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the bureaus. I also have the certified mail receipts that I can provide if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date below, but when I reached out to you, you changed it late from XX/XX/2017 and you place it on XX/XX/2017. 

It was late XX/XX/2017 and now it shows that it was late XX/XX/2017 - that's strange? 

I am not sure how this happened, or how your can your company make this error ... And I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Complaint:
I was a victim of identity theft and I notified the company involved. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # : XXXX AcctID # XXXX ) I asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.

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 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (MO)

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (MI)

Complaint:
Westlake financial permitted the financing of a XXXX XXXX XXXX l which in many respects was like my dream car I was able to finance at {$5000.00} I have been absorbing a payment for approximately 2 years for which I have fell victim to reposition not only once but twice now after 2 weeks of having the vehicle I had to do a service for the gaskets on the motor for which I went back to the dealer who sold me the vehicle who then did the job himself physically there at the dealership which he said he was permitted to do later I found out that was actually not supposed to happen at all like that I contacted the lender pertaining to this which was was like financial Westlake financial was supposed to do an assessment on the vehicle after it was purchased to ensure everything was functional on the car for which they did not during that time I was forced to do maintenance on that motor totaling over {$6500.00} from absorbing the expense of the maintenance it became difficult to absorb that and the payment it made it difficult to pay both payments intern falling victim to repossession once having the vehicle drug for more than 30 ft by a tow truck then in turn did further damage to the vehicle I then informed the lender for which they gave me no response whatsoever right now I'm currently repossessed than it is in their possession they're requiring that I pay approximately {$1800.00} in order to get the vehicle back I really have a desire to pursue them in other manner because the way that the repossession occurred they even made contact with my other car that was parked next to it which I can prove via video for both repossessions repossessions to show where the damage was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

Complaint:
IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
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. (TX)

Complaint:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Complaint:
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score.  This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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. (CA)

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2022-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
I wrote to them through the Comenity Bank website for XXXX XXXX. 
They do not know how to read and thus gave me a non sequitor response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Complaint:
Please consider the circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Complaint:
Credit card bill number does not match my credit card number. The payments that I had made were deducted from my checking account but not credited to the credit card payment. In addition to this the mailing address of the credit card bill does not match the mailing address of the Macy ' s Department Store for my billing.

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 2023-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
On XX/XX/2023 got an offer in the mail for a pre-approval from capital one, when I went online and filled everything out it was an error in the system that caused the page to go down. When I called in to try to get same offer the original offer was tweaked and different from in mail. I explained that to customer service on XX/XX/2023 and I was hung up on but before that I was called XXXX and told I'll never have a good credit score in life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXBalance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (CA)

Complaint:
Back in XX/XX/XXXX I noticed a collection on my credit report, I sent a debt validation request to Americollect at XXXX XXXX XXXX XXXX XXXX, WI. XXXX on XX/XX/XXXX and was received by collection agency on XX/XX/XXXX. XXXX. They did not validate the debt, instead they sent me a bill. That is not validation of a debt. Thats why I want to file a report. They are still reporting this on all XXXX credit bureaus. There violating my consumer rights. So Im requesting help to get this issue resolved. Also I sent them a second debt validation letter on XX/XX/XXXX and was delivered on XX/XX/XXXX. They still haven done anything to resolve the problem. Im attaching all documents that Ive sent Americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GEMINI CAPITAL GROUP, LLC (CO)

Complaint:
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Complaint:
XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AL)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Al XXXX SSN : XXXX DOB : XXXX NCB Payment and Correspondence is listed on my credit reports but i have no debt with them. I was told they bought my account from another collector. After reviewing my credit report I noticed a lot of inaccuracies on my credit for said account. The date the account was opened is wrong for all accounts. Also, the date the account was reported is not correct. There is no verification date listed on my credit report. The date shown for last activity is not correct. There is no last payment date listed. Please investigate so that I can have these errors removed from my credit reports.

Company response to consumer: Closed with explanation