hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-18
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. (NV)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

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 non-monetary relief
Consumer complaint received 2023-01-06
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. (TX)

Complaint:
Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, 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 2023-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Genesis FS Card Services, Inc. (IL)

Complaint:
Cb indigo XX/XX/2021 constant dispute have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (CA)

Complaint:
This online only bank violated my rights- in XX/XX/XXXX I submitted a dispute showing proof that the vendor in question wouldnt reply to me, and the purchase was sent back to the original company - I have sent and requested multiple times over the last two months to be notified of an update, and was never provided an update. They also state they have a working phone number but they do not - you can never get a hold of anyone and they still say its due to Covid 19. 

Last week on XX/XX/XXXX I was notified via email my dispute was updated and they refused or denied my dispute. I chatted in and asked for a copy of their investigation - the woman who chatted with me, XXXX, advised they would email me. 

I requested to have a copy sent to me, and instead today, XX/XX/XXXX received an email from someone named XXXX advising the vendor showed proof the delivery was completed and it was compelling proof, however did not provide me with any copy of investigation. 

Additionally - I do not believe this to be true, because the tracking information I provided showed it was delivered BACK to the ORIGINAL VENDORS ADDRESS. 

This is {$54.00} but thats a weeks worth of food. They also pulled {$100.00} out of my account and refuse to fix it even though on the statement itself it shows they incorrectly didnt add in one deposit.

I want the {$150.00} put back into my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (NY)

Complaint:
15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number 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 2017-12-15
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: Experian Information Solutions Inc. (NV)

Complaint:
Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft report.

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 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Complaint:
Due to me losing my job in XXXX, my vehicle was repossessed by NMAC. My personal belongings were kept & even though, I tried to get my personal belongings back I was unsuccessful. To my understanding the vehicle was sold & then I started getting letters from XXXX XXXX XXXX Offering me a settlement. I agreed & paid the settlement in XX/XX/XXXX under the terms that NMAC would delete the negative remark from my record ( verbal agreement ). Upon checking my credit report NMAC has not deleted the item from my credit reports. 
NMAC only updated my credit reports to settled for a lesser amount. I have been disputing with the bureaus & NMAC to delete the information from my credit report. Now every time I do a dispute NMAC add remarks to my credit report ( so in other words NMAC goes in & out of my credit report adding remarks ). Can they do that? Now the vehicle was repossessed around XX/XX/XXXX & when I look at my credit report its still being reported as L ( which stands for charge off ) for the years of XXXX, XXXX & XXXX. I thought that after it was charged off in XXXX NMAC were supposed to stop reporting. Why is NMAC still reporting years later?? 

I wrote NMAC in XXXX & XXXX & my cries to get NMAC deleted from my credit report has fallen on deaf ears. I called NMAC & complained & was asked did you get it in writing that NMAC would delete the negative remark from the credit bureaus, I said no, I didn't know I needed to get it in writing. I was appalled, because the customer service representative said we can't delete anything. Irregardless of what NMAC is saying & doing they reneged on our verbal agreement & kept my personal belongings that were in my vehicle. I specifically requested that NMAC be deleted from all 3 credit bureaus so that nothing negative would be reported on my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Complaint:
Dear Sirs This is the company that has sent me letters regarding three different debts Resurgent Capital Services it states original creditor XXXX XXXX XXXX XXXX Current Owner LVNV Funding LLC Account # XXXX reference XXXX Balance {$2800.00} Account holder name XXXX XXXX XXXX XXXX The second is XXXX XXXX XXXX XXXX  current owner LVNV Funding LLC Reference ID XXXX Balance {$630.00} Account # XXXX Account holder XXXX XXXX The dates they are claiming are from XXXX They are not my accounts Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
I paid off my lease with XXXX, and the mileage fees on time. I made my last payment on XX/XX/XXXX. However I was reported late for XXXX erroneously on Experian only. XXXX and XXXX were reported properly. I have contacted XXXX since XX/XX/XXXX over a dozen times concerning correcting their error. I have disputed the error with Experian, and have asked XXXX for my payment history and for account statements proving I was never late, but they refuse to cooperate. They are a corrupt financial organization. They sent me a document dated XX/XX/XXXX that the account was paid in full. This is proof that XXXX wasn't late. I have been denied credit as I sought a place for myself and my XXXX XXXX XXXX to live, and my fico score dropped XXXX points. I can't get a mortgage as I was verbally denied after my credit was examined. My online portal which allows consumers to obtain their loan documents is blocked because I mentioned an Attorney. There have been many complaints against XXXX which was verified by a law firm in Michigan where XXXX operates from/

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 2022-11-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

Complaint:
My Credit Card and Loan became delinquent when I lost my unemployment benefits. Navy Federal Credit Union took all of my money from my Checking account to pay to the Credit Card and Loan without my authorization leaving me with a XXXX balance. I had this problem around XXXX with the account that is now a Loan, which was reviously a closed Overdraft Protection account. Navy Federala Credit Union told me at that time if I converted the account from a Overdraft Protection account to a Loan, I would not have the problem of them coming in and depleating the money in my Checking account to pay the Loan or Credit Card.I did not authorize the payment, did not have automatic re-occuring payments, and asked Navy Federal to put the money ( {$250.00} ) back into my Checking account which they refused to do. They told me they had a " Security Interest '' in my Checking and Savings Accounts that allowed them to go in and deplete my funds when my Credit Card or Loan becames delinquent. I asked to close my Checking and Savings, and they refused to close the Savings so that if any further money was deposited into my accounts they could take it to satasfy my delinquent Loan and Credit Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

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 2015-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (DE)

Complaint:
This company keeps calling me from XXXX and XXXX and they have called several times within a 10 minute period. Robo calls and repeated calls are against the law and I have to pursue legal action for every auto dial and robo call that has been made. The action is {$500.00} to {$1500.00} per robo call. I am requesting that they stop calling me before I sue for {$500.00} per phone call. This company did not send any validation as requested by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still 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 and subsequent reinvestigation, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
I had a charge come out XX/XX/2023 in the amount of XXXX, i immediately reported it it was from ad that popped up on my social advertising a machine, so i paid for it once i paid for it i realized it was day trading crypto, i immediately cancelled it on the merchant end they refuse to give me my money back yes i paid for it originally but once i cancelled it i was blocked from the website on the merchant end they wont respond to emails and their is no contact number at all i tried to call its no number to reach them i reported this to my bank as scam my bank closed my account and would not refund me they took my money and i did not get anything. Since than i reported this to the federal trade commission and fraud.gov

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 2018-04-30
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: CORELOGIC INC (CA)

Complaint:
I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information

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