hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-05-02
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. (UT)

Complaint:
I have filed multiple disputes with ALL  XXXX  agencies attempting to have claims that are entered  two  and  three ti mes an d may v ary by a couple of dollars removed. There is a total of  XXXX  claims on my report of those 50 % or more are duplicated or entered  3  or more times. The one claim that is a real problem for me is a claim of  XXXX  which was not my medical bill. When I disputed the claim I was told that it was a joint account. I was not the person in the hospital, I did not get any services from the hospital and I do not expect to be harassed,  black ma rked for something I had no control over, additionally that account was paid  XXXX  upfront and that money was never deducted from the claim which was a workers comp claim to begin with as well as private insurance through  XXXX . Why I got the honors of it being reported on my credit was I married the wrong guy. The Reporting Agencies have an obligation to prevent this type of action but they perpetuate it and once the domino has fallen the other  XXXX  just fall right on down too. I have been damaged, harmed, denied, crippled because of this and it has become exhausting to fight or dispute the errors because it sets off another wave of reporting negative claims from the third party creditor, collector. I even went to the source of the original debt, they wrote the charge off but later recanted that write off almost 2 years after the fact. I also told them that I was having trouble with the collector agent but they said " He does whatever he wants to do ''. They were n't entirely wrong about that he does do whatever he wants to do even if it meant breaking out his fees from their bill and collecting on them both as separate judgement and written off debt. How is a girl suppose to get out from under that heap of  -- -- -- -- -- -?  I also went as far as the AG 's office but they are compromised because they collect debt from the original institution which is a hospital.  Medical Debt  is drowning myself and my spouse but the majority of this debt is doubled, tripled or ad a financial arrangement that should have cleared the debt. Help, Please.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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. (FL)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 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 explanation
Consumer complaint received 2017-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WV)

Complaint:
I do not owe XXXX made arguments that didnt matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
These are unauthorized inquires on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave Transunion any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.

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 2017-05-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broadway Account Services (SC)

Complaint:
I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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. (NY)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 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 2022-12-08
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. (OH)

Complaint:
i have tried to dispute these hard inquiries on phone with each credit company but they have not done anything for XXXX days. it is causing my credit to decrease tremendously. i am already under XXXX  for XXXX  years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of XXXX so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Complaint:
I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request

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 2022-07-06
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. (PA)

Complaint:
My name is XXXX XXXX and I have recently viewed my Equifax credit report on XXXX to find Inquiries from companies I did not authorize, and are Identity Theft. I contacted Equifax directly and just keep getting the run around and transfered only to be hung up on after holding for 35 minutes. I expressed to them that this is stopping me and my family from aquiring a home. I have also contacted the Federal Trade Commission in this regard. I pull my credit report every week and they have not been removed. I've called equifax everyday for past month and nothing has been removed. Please help. My family needs a place to liveand this is stopping our process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

Complaint:
In XXXX  I found a card on my credit report from Barclays Bank which was not mine it had some charges on it I contacted Barclays Bank they plainly denied it I told them it is a fraudulent card but after denial I contacted consumer financial protection bureau who researched it and Barclays accepted that the charges were fraud and close the card guess what they transferred the balance to a new card which never was mailed to me after some time when I found out that there is another card in my name I contacted Barclays and they said you must make minimum payment otherwise your credit report will be reported late so I in order to save my credit report I made the minimum deal and started investigation Barclays took so long and during the meantime I kept on paying money which I never owed to them after some time I just gave up because whenever I contacted them with a fraudulent card they will close it open a new account never mail the card to me and then say this is your balance I stopped paying them the card became charged off attached are the letter from Barclays in which they accepted fraudulent charges and the identity theft report please help me in removing this listing and getting my paid money which I never ordered them returned back to me ATTACHMENT

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 2022-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MS)

Complaint:
There was {$2000.00} worth of unauthorized charges on my account and i called chime to file a dispute. They denied the dispute and closed my account the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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. (FL)

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: NAVY FEDERAL CREDIT UNION (MD)

Complaint:
On XX/XX/20 I sent a certified letter for a account on my report that didnt belong to me. I also asked for original documentation to be sent to me binding me to this debt. On XX/XX/20 I sent another letter asking for my signatures and original documentation I have not got any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Complaint:
I was offered a {$1000.00} cash bonus if I signed up for an account and deposited at least {$70000.00} in the account within the first 20 days. At first, when I called to find out where I could find my account number ( because I set up the account online ), I was told by the representative that I would not know my account number until I received a welcome kit in the mail. I therefore could not deposit the money, as their online automated transfer system had errors every time I tried to use it. I called again after waiting almost 2 weeks and was told that there was no welcome kit being mailed and that I could view my account number online. I then had only a few days to process my transfer of $ XXXX from my old bank to Citibank. This was very stressful but I accomplished it in time. Now that it is over 60 days after the 21st day of setting up my account, I checked my checking account for the $ XXXX bonus. It was not there, and when I called their customer service, they told me there was no promotion attached to the account. This was very strange, as the representatives I had spoken to in my first 20 days at Citibank were all aware of the promotion, as I nearly didn't make the 20-day deadline and had asked for an extension.

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 2021-01-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Complaint:
I requested Equifax send me the method of verification that they used to verify the inaccurate XXXX XXXX XXXX account they claim was investigated. The dispute was opened and then closed and I didnt get any correspondence from them. I dont owe XXXX and I want it deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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. (IL)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-18
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. (TN)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (RI)

Complaint:
AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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. (NY)

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, und er Section 611 ( 5 ) ( A ) of the FCRA- t hey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. Thank you.

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 2016-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

Complaint:
Doctors business bureau have me on collection for an accountunder my son 's name. He son is XXXX and he has been receving medicaid since he was born covering 100 %. Icontacted them to let them know, but they were very rude to me and basically told me that by this now, it was too late to call medicaid and that i was responsible for the account. They told me that I had to pay the total in only one payment. Its unfair and not right that I would have to pay for a medical service, having my son medicaid insurance. This is basically a theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (VA)

Complaint:
On XX/XX/2021 at around XXXX I called customer service to help me with a charge but instead of helping me they were so rude and made me so sad and angry that my XXXX XXXX right now is so high that I have to make a XXXX appointment now. 
I spoke to XXXX and she was so rude and treated me so bad. She was being XXXX because of my accent and not so fluent XXXX. There was pause in between because she was so rude. I asked for manager and she transferred me to XXXX. I explained XXXX about what happened and started telling me that she is right. I wanted to explain further but he started yelling at me saying do not cut me off while I am talking and listen to me. That is so rude and unacceptable behavior. I want justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation