hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-01
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. (NC)

Complaint:
I recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

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 2023-05-08
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. (LA)

Complaint:
TransUnion Credit Report As of : XXXX XXXX XXXX This account reflects, opened {$110.00} balance no past due balance status not shown no payment history. This account is a violation of 15 USC 1681 for failure to provide complete and accurate information as well as improper use of my credit report I have no knowledge of this account, nor this creditor I have asked for validation of the original contract from the creditor, and nothing was provided. Transunion has had 30 days to complete a proper investigation, and I failed to believe that a proper investigation was completed with the information that is still showing on my report. I am demanding the deletion of the account immediately For you have had 30 days to complete an investigation. I am also considering legal action for damages up to {$1000.00} for this account as my FCRA rights and laws were violated. 
This account was updated by Transunion XX/XX/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 2018-09-29
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. (NY)

Complaint:
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GU)

Complaint:
I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX 

I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee. 

Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake. 

Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A 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 2021-10-29
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: Bread Financial Holdings, Inc. (IN)

Complaint:
I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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. (MN)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
Portfolio is reporting an account to my credit profile that I was told that was opened under a business name that I do not have ties to and have never had ties with. See attachment for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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. (GA)

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 Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1100.00}

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 2018-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
on or about XX/XX/2018 i was trying to obtain a small personal loan i answered what seemed to be a professional ad i was going through the process like normal on the phone with the company after most of the transaction was complete and my account info was given for a deposit to be made via ach method which i know is common they had all of the sudden asked for what they called an insurance payment to be sent i immediately told them no and wanted nothing more to do with their company as this was a red flag i then looked at my account and noticed several payment i had made prior had been disputed and put as a credit in my account there was a credit card payment car insurance payments and even a withdraw from an actual chase atm at my branch concerned i raced to chase bank and closed my account with a manager and told her what was happening these crooks were able to dispute XXXX dollars in payments i had previously made and withdraw all of it from my account this is a clear case of fraud as i know and was told by several chase branch managers but after working with the fraud department at chase they are not refunding the money that was stolen the did give a temporary credit which i used to repay my bills that had been reversed after a few weeks they told me i was responsible for the amount stolen this is an outrage and very unprofessional i sent all they asked for and they still will not credit my account i just dont understand i also think some one at chase is working directly with the criminals and i told chase that as well i have no idea how they can be so negligent and allow my account to be compromised in this way the way the fraud department is handling this matter was even a shock to chase management themselves they all noticed a clear case of fraud there is even a charge for a currency exchange thamk you for all your help as i have nowhere else to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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. (GA)

Complaint:
I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT ED/XXXX  and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for 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 XXXXXXXX, XXXX, XXXX. Im doing this by myself and really need some help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: CURO Intermediate Holdings (DE)

Complaint:
Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I was unable to open up a checking account with well Fargo because the previous accounts were close by the bank and I explain to well Fargo I never applied for checking and savings account in my name and someone used my information or well Fargo has open up accounts in my name without my permission back in 2010 and I want my data removed from there system and want to have a bank account open in my name.. 

I never applied for well Fargo checking account I need have those previous account investigated thanks

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 2019-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

Complaint:
As an XXXX for the past six consecutive years in multiple XXXX that qualify for XXXX  federal loan forgiveness my application ( s ) have continuously been denied for minor issues such as incorrect date format and full title of Chief   Administrator not stating his position. Because of this I took it upon myself to call MyFedLoan directly and ask why my application is continuously being denied when time after time the people I speak to regarding what I need to fix, give me the supposed run down on what needs to be done. My call on XX/XX/17, however, was different. When I was in conversation, two people who I spoke to from my loan holder ( MyFedLoan ) said one reason I am being denied is because the gap from one XXXX to the next is larger than seven days which voids the XXXX  loan forgiveness I am looking to receive after working five consecutive years in qualifying XXXX. ( Ive worked in three different XXXX in five years ). I am reaching out because not only did one of the people I spoke to said they had no idea about this seven day gap issue, it is no where to be found on neither the application nor website. Because of the withholding of information, myself along with a long list of people may be denied because of lack of transparency, which I believe is very deceitful and should be taken serious and looked into. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
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. (DC)

Complaint:
XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX   received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.

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 2021-12-06
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. (FL)

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Complaint:
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XX/XX/XXXX or XX/XX/XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.

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 2017-06-21
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. (GA)

Complaint:
Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
To whom it may concern. I have been looking at my XXXX  XXXX  past few months it says I am an authorized user on a XXXX XXXX card that is terminated. # 1 I do not have any idea whose card that is or why I am on it. Never approved it. I do have my own XXXX XXXX card. I have called XXXX XXXX countless times about the situation as I now have 4 ongoing late fees on transunion and other reporting companies. I just called XXXX XXXX for the 8th time now about this and they only see my actual card on file. This authorized user card they say they have no knowledge of. I am asking for this authorized user thing with all these late fees to come off my credit report as soon as possible. I have no knowledge of it. And It is effecting my personal credit. Any help on this greatly appreciated feel free to call me about this.

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