hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Data Corporation (WV)

Complaint:
I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Please be advised this is my fifth WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (CA)

Complaint:
This is my 3rd attempt to remove this debt collection from my credit report. 
XXXX XXXX XXXX has sold my XXXX collection to re-collectors, again and again. 

As stated on my credit report, my vehicle was repossessed in XX/XX/XXXX, and do not own a vehicle to date. 
I did not have XXXX insurance in XXXX, XXXX. XXXX, XXXX. 
Please make them provide original or copies of this XXXX policy. ACCT # XXXX I had Progressive Insurance in XXXX. This is a re-collection, sold to a debt collector, that was deleted for {$400.00}. 
Please make them stop this re-collection practice. Thank you kindly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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. (TX)

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2018-05-11
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. (NY)

Complaint:
I AM A VICTIM OF IDENTITY THEFT HAVE SUBMITTED A POLICE REPORT, ALONG WITH MY ID, THE FCRA 605B REPORT, ADDRESS ID, CIRCLING THE FRAUDULENT ITEMS ON MY CREDIT REPORT ALONG WITH THE LATES CAUSED BY THOSE FRAUDULENT ITEMS, AND THE INQUIRIES ON MY REPORT THAT ARE FRAUDULENT TO BOTH XXXX AND EXPERIAN CREDIT BUREAUS ABOUT 5 TO 6 TIMES AND BOTH CREDIT BUREAUS REFUSED TO REMOVE CIRCLED ITEMS THAT ARE FRAUDULENT AS THE FCRA 605B STATES HAS TO BE REMOVED IN 4 BUSINESS DAYS BY LAW. FURTHERMORE AS I SAID I SENT THEM ALL ITEMS NEEDED INCLUDING MY CREDIT REPORT AND ABOVE ITEMS AS DIRECTED BY THE BUREAUS AND THEN SEND BACK FRIVIOUSLY LETTERS THAT THEY NEED MY ID AND SOCIAL SECURITY CARD ( COPY ) AGAIN WHEN I SENT IT THE FIRST TIME AND EVERY TIME. THEY HAVE COST ME CREDIT AND LOANS BY THERE INTENTIONAL DELAYS AND I AM GOING TO RETAIN A LAWYER AND SUE THEM IMMEDIATELY IF MY CREDIT REPORT ISNT CORRECTED NOW ...

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 2020-09-01
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. (AR)

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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. (AL)

Complaint:
In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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. (NJ)

Complaint:
I checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MD)

Complaint:
Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.

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 2023-06-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

Complaint:
I applied for a loan on Nelnet and was declined around XXXX XXXX I checked my credit report about a year later and I had two student loans from Nelnet. One was about {$4000.00} and the other was about {$2000.00}. I never received this money. I called Nelnet, they said they couldnt do anything. I tried talking to XXXX XXXX XXXX, there wasnt much they could do either. I tried logging into Nelnet to see if I had an account at the time. There was no record that I even got the money. I never received any emails, letters, nothing. It just appeared on my credit report. Please help me, it is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HYUNDAI CAPITAL AMERICA (NY)

Complaint:
I was instructed to make final payment with a personal check after canceling automatic withdrawal payment, the personal check payment for {$240.00} cleared on XXXX XXXX on XXXX XXXX KMF also withdrew funds from my checking account. I reached out to the company immediately after seeing the error and they said they are unable to reverse the error.

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 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

Complaint:
After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : xxxx # #, Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A . States I have the right to privacy.

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

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 the information Any other adverse items of information, other than the records of convictions of crimes which antedate 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 explanation
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (AR)

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Complaint:
I have an auto loan through Credit Acceptance. Today XX/XX/2022 they repossessed my vehicle with out sending a right to cure the vehicle. Im at a loss at what to do.

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 2020-07-28
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. (FL)

Complaint:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was highly embarrassing and has negatively impacted my lifestyle.

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 2021-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
My son died XX/XX/XXXX. I went into Bank of America XXXX branch on XX/XX/XXXX and reported his death to XXXX XXXX and they scanned the death certificate. They told me I need a state form to obtain his funds. I thought they froze his account. I was also told someone from that branch would contact me. No one ever did. I thought my son 's funds were safe. The amount was {$7300.00}. I went back to the same branch XX/XX/XXXX with the state affidavit of relationship form notarized. The bank told me my son 's account was closed and there were no funds available. Bank of America disbursed my son 's funds on XX/XX/XXXX to someone who claimed to be the " fiancee '' to my son. Bank of America needs to be held liable and needs to recover my son 's {$7300.00}. Fiancee is not a relative, and not listed in the PA State laws of Intestate Succession. A fiancee is not a surviving spouse. Nevertheless, the claimant was not a fiancee to my son. She was removed from his account XX/XX/XXXX. 

I have reached out to Bank of America Estates Department and they have not helped. Please help me. It should not be my responsibility to try to recover my son 's {$7300.00}. I am filing my son 's XXXX income taxes and he owes {$24000.00}. I need the {$7300.00} that Bank of America disbursed in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Complaint:
Portfolio Recovery Associates , LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ) and 15 USC 1692. I exercised specified remedy on XX/XX/2022 when I sent notice of debt validation via Certified Mail Receipt to the address on file for XXXX, XXXX 's disputes department. I did not receive a signed receipt back. However, I did notice that they did in fact received my letter and request for validation using USPS 's online tracking software. Shortly after, I received a letter stating that the debt is validated along with statements. XXXX, XXXX failed to provide all of the required documentation pursuant 12 CFR 1006.34 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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. (NC)

Complaint:
Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA 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 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Complaint:
THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: ALLY FINANCIAL INC. (FL)

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Complaint:
CONVERGENT OUTSOURCING FORWARDED A NOTICE ADVISING THEY ARE ATTEMPTING TO COLLECT A DEBT THAT HAS NOT BEEN VALIDATED. UPON THE INITIAL REQUEST, I INQUIRED ON THE VALIDITY OF THE DEBT. CONVERGENT THEN FORWARDED THE ATTACHED, WITH A DIFFERENT AMOUNT, DIFFERENT DATES, AND DIFFERENT LENDER. IT DOES NOT REFLECT WHAT IS CURRENTLY SHOWING ON THE XXXX CREDIT REPORT AND 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 explanation