hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : 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 Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Employer : XXXX XXXX TXXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : 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 2022-09-18
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. (GA)

Complaint:
I disputed the XXXX account with Transunion around XXXX XXXX XX/XX/XXXX. By XX/XX/XXXX they VERIFIED it as ACCURATE and continues to report this item. However, this account is and has been reporting this incorrect and inaccurate information for the past 3yrs. This account is being reporting as 90 days LATE on XX/XX/XXXX, 120 days LATE on XX/XX/XXXX then additional 120 DAYS LATE on XX/XX/XXXX. THIS IS IMPOSSIBLE and INACCURATE! They must not know that XX/XX/XXXX to XX/XX/XXXX is only 30 days not 120 days! The last date of activity is inaccurate as well. These inaccuracies has been affecting my credit score negatively for the past 3 years and had me getting denied credit! This is devastating and I have requested the deletion of the account on multiple occasions! Furthermore they do not do proper investigations when requested because they lied to me when they said it was VERIFIED AND ACURRATE! And when compared to the XXXX and Transunion reports i found several discrepancies such as High credit limit, last activity date and account type. I have disputed this account several times over the past few years and Transunion kept verifying it as accurate and kept it on my report. They are in Violation of my consumer rights according to the FDCPA and FCRA. Please DELETE this Account as requested previously. I want this item removed PERMATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
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 am so so upset that these agencies are still reporting fraudulent accounts totaling over {$2000.00} or more which not ever mine. I am disturbed how I cant have my finances better due to all these fraud accts charged off. Please do your due diligence and find the evidence that these accounts were all fraud. Having no knowledge of these fraudulent entries on my credit report as i was not paying attention that they did not delete these off since I reported back then. I was wondering why my credit was just being basic with limited lines until the banker asked me to pulled my report and then I see all the errors and fraudulent accounts that were not removed with all different variation of names. i cant even determine the exact amounts or dates as I did not have no accounts with the account numbers reported companies, and I no opened accounts on the dates posted on my credit reports. I have been a victim of ID 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 2022-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (FL)

Complaint:
I received a demand letter from Perdue Brandon Fielder Collins & Mott LLP dated XX/XX/XXXX. In XXXX I had an arrest with a restitution. Since that time I have been paying XXXX XXXX XXXX XXXX directly. 
The letter the " law firm '' threatened my arrest and or license suspension. Neither of which, according to the courthouse and my used to be probation officer, can happen. Not only claiming I owe them, they are also claiming I owe {$420.00} more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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. (FL)

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (VA)

Complaint:
I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Complaint:
XX/XX/2019, I contacted Navient for my Son 's private Student Loan. 
II borrowed XXXX and now the Interest is so high it is triple now. 
I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month .... 
So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... .. 

So same thing happened in XX/XX/2019. I gave a payment over the phone. 
The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up. 
So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken. 
So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
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: TD BANK US HOLDING COMPANY (CA)

Complaint:
I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early  XXXX  it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all  XXXX  major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

Complaint:
Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure. 

I called on XX/XX/XXXX to ask for the status of my full file disclosure. 

They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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: WELLS FARGO & COMPANY (NJ)

Complaint:
Given the remnants of the financial crisis as it affected the housing market, I fell behind on mortgage payments on a property that I own. The property was purchased in XXXX and we moved out in XXXX. Prior to moving, the property was listed for sale but with no offers it was converted to a rental. As we were unable to sell the property we rented it. In XX/XX/XXXX our renters gave notice that they wouldnt renew the lease. The house was vacant and put on the market again for sale. I carried the mortgage payments on this property as well as my primary residence both with mortgages from Wells Fargo. While I fell behind on payments on the rental property mortgage I was not 30 days late. I finally got Wells Fargo to agree to a payment arrangement after several unsuccessful tries. By the arrangement I agreed to pay the past due amount over 3 months in addition to the regular monthly mortgage payments. It was my expectation that Wells Fargo would not report late payments during this period. Just to be clear, when I entered agreement I was not 30 days late and had never been. The arrangement actually created the 30 day lates that were reported by Wells Fargo in XXXX and XX/XX/XXXX. Had I known that this would have harmed my credit I would have taken a loan for the past due money instead of basically accepting an agreement that hurt my credit. Wells Fargo claims they indicated theyd report me as late. I dont recall this and again would not have entered into this agreement if the terms of the reporting were indeed actually clear. Also, my spouse is on this mortgage and Wells Fargo never got a spousal agreement as to this arrangement which has hurt both of our credits.

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 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Renton Collections Inc. (WA)

Complaint:
Date : XX/XX/2019 Company : Renton Collection  Original Creditor : XXXX XXXX XXXX Original Balance : {$850.00} Action taken : I filed a dispute with Renton Collection.  The dispute ended XX/XX/2019 Result : Renton Collection declined the dispute request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TN)

Complaint:
I have sent American Express three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) in which I disputed two accounts ( Account number XXXX, Charge-off Balance {$2000.00} and Account number XXXX, Charge-off Balance {$2300.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached is my current ( XX/XX/XXXX ) XXXX credit reports of the American Express accounts. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Hi I am submitting this 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 2023-01-09
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. (AR)

Complaint:
XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

Company response to consumer: Closed with explanation