hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
they continue to verify accounts that have been removed from other CRAs and even have provided with the same information the other CRAs have been provided. Please see CFPB case number  XXXX  for reference of account that should be removed. Fair Collections and outsourcing is not verifying this information per them.

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 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IL)

Complaint:
Multiple calls and texts every day to my cell phone stating that I owe debt to a company that I have never had any type of dealings with

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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. (SC)

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts has been violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX citizen. 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 Also states a consumer reporting a gen year can not furnish a account without my written instructions. 15 U.S.C 1681s~2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting angency 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 2023-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

Complaint:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XX/XX/2022-XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (IL)

Complaint:
I filed a chapter XXXX bankruptcy and my auto loan was included in the bankruptcy my Bankruptcy discharged and I was never notified from GM what needed to be done and they repossessed my vehicle without calling or sending me any correspondence I reached out to them and the rep stated by bankruptcy discharge was denied and that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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. (GA)

Complaint:
I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

Complaint:
I had previously advised Chase not to send me confusing and poorly designed marketing materials, but Chase continues to do that regardless of the fact that it ridicules itself. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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. (AL)

Complaint:
TransUnion continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2022-04-18
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: Experian Information Solutions Inc. (VA)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-12-01
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: Experian Information Solutions Inc. (CA)

Complaint:
After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I  am enrolled in Experian 's credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score. 

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to XXXX XXXX before the Chapter XXXX bankruptcy has gone of my report. I'm confused.

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 2022-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (AL)

Complaint:
I call to make arrangements to pay my car note. The representative set up my payment arrangement. I was never made aware, that this arrangement would result in a negative credit rating. I monitor all 3 of my credit reports, and my score was reduced XXXX points. 
I called to discuss the matter and was informed I had paid 30 days late. I was also told by the representative, there was no need to dispute this, because it will lower my score even more.

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 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (MO)

Complaint:
The collection company Radius Global solutions is attempting to collect a supposed debt owed from the time frame XXXX, in the amount of XXXX which the statute of limitations has past. They have been calling me for months and most recently sent me a text message on XX/XX/23

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 2021-06-16
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: SYNCHRONY FINANCIAL (AZ)

Complaint:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (IL)

Complaint:
I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .

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 2022-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

Complaint:
I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX  company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX  and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX  to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.

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 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

Complaint:
Hi there, I'd like to dispute the recent transactions under my personal and business account on XXXX XXXX 2021 who I have never known without my authorization for {$500.00}, {$400.00}, and {$100.00}, a total of {$1000.00}. I suspect that my account has been stolen and unauthorized XXXX transaction records. At the same time. Please assist me to apply for insurance ( FDIC ) to cover for me to take all my money back. Without that money, I can't pay off my wife 's delivery outstanding payment. This is a huge impact on my family, affecting our lives and work. During the years I have served in the XXXX XXXX XXXX, I've stuck to my duty to defend the country. Our family really needs this money to make life. While I'm working hard to serve the country, I really hope that CFPB can help me to get back the money. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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. (NM)

Complaint:
In 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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. (GA)

Complaint:
Only disputed one account which is XXXX XXXX XXXX not my account. As Equifax requested, I sent a request to the creditor XXXX XXXX XXXX via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX and XXXX have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter Equifax. XXXX. Requesting monetary value of $ XXXX from Equifax for value of reporting account as it is damaging my reputation. Will seek damages from company also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MVBA, L.L.C. (TX)

Complaint:
Called me 16 times in 2 minutes. Ask me to pay speeding ticket which I paid on time 10 years ago. Ask me to show proof. Who keep receipt of speeding ticket for 10 years.

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 2023-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (NC)

Complaint:
XX/XX/2022 - Received a call from Tek-Collect to collect a debt for XXXX XXXX XXXX XXXX I informed the rep. that the debt was paid by insurance and should not have been sent to collections. The rep. asked if I would like to dispute the debt and I accepted. 

XX/XX/2022 - Documents were received from Tek-Collect that were sent to them by XXXX XXXX XXXX XXXX After reviewing the documents I noticed the claim was submitted to my insurance company but filed under another patient 's account at XXXX XXXX XXXX. I called Tek-Collect and spoke with a rep who was unable to assist so I requested to speak with a supervisor. The supervisor I spoke with was XXXX. While on the phone with XXXX I walked him through my findings on the documents and he agreed the debt amount attempting to be collected was incorrect. XXXX then informed me that he would reach out to XXXX XXXX XXXX for more information to get the issue resolved and will keep me updated. 

XX/XX/2022 - I receive a call from Tek-Collect to collect a debt. I informed the rep that the collection is under dispute and I haven't heard anything back from XXXX. The rep. then directs my call to XXXX who informs me that since I have an outstanding debt my information is on the call list to collect. He removed my information from the list and informed me that he had not heard back from XXXX XXXX XXXX. 

I have disputed the debt with the three credit bureaus more than once. XXXX has acknowledged my complaint and dispute and has since removed the debt from my credit report. However, XXXX and XXXX both show the disputes as resolved and claim the collection amount is correct and verified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (CA)

Complaint:
I want to place disputes on my credit via fax to Experian, Equifax and TransUnion. Online and on Myfico, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition https : //www.experian.com/consumer/upload/ NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.

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 2020-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

Complaint:
Company was paid in full and they are still reporting account as delinquent which is against the Fair Reporting Act. Their negligence towards consumer creditability is disgusting as if they are deliberately putting false information on people credit reports and they should be investigated for these practices.

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 2020-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

Complaint:
I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.

Company response to consumer: Closed with explanation