hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
This letter is in response to Transunion 's recent claim that the court verified the public record they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In compliance with this method of investigation request, please provide the following : 1 ) the description of the procedure used to determine the accuracy and completeness of the information 2 ) Name, address, and telephone number of each person contacted regarding this alleged account.

3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

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 2023-02-27
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. (TX)

Complaint:
In accordance with the fair credit reporting act list of accounts below has violated my federal protect the consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  account number XXXX. 
Account name XXXX account number XXXX Account name XXXX XXXX Account number XXXX, XXXX. 
Account name is XXXX XXXX, XXXX account number XXXX. 
Account XXXX XXXX XXXX account number XXXX 15 USC 1681 section 602 ( a ) states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 : it also states that a consumer reporting agency can not furnish all account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC, 1681s-2 ( a ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency. If the person knows our has reasonable calls to believe that the information is in accurate.

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 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

Complaint:
XX/XX/2020 I received a notification from XXXX XXXX claiming that I XXXX {$190.00} but I don't owe anything. XXXX is the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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. (CA)

Complaint:
I sent a letter on XX/XX/22 to XXXX and TransUnion to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX CO XXXX Balance XXXX {$770.00}

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 2017-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Complaint:
I do n't know anything about this collection. 
I need more 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
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

Complaint:
It has come to my attention this organization has been reporting inaccurate information for over 2 years on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Clarity Services (GA)

Complaint:
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE EMPLOYEES CREDIT UNION (NC)

Complaint:
XX/XX/17 Over the last couple of weeks I and many others have experienced problems downloading transactions from the NC State Employees Credit Union into XXXX. The error is a security error stating XXXX servers can not connect with the CU 's servers. When I contacted the CU all I get is that they have made some security changes and know that there are problems. No estimated date to fix. Sometimes the download is successful, but most of the time it fails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
I am making this complaint of my own accord and do not consent to verification in response to Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ). 

A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX. 

Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account. 

On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day. 

I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check. 

On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021. 

On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service. 

I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

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 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

Complaint:
On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}. 

Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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. (AZ)

Complaint:
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.

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 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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. (TN)

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX   Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Complaint:
XX/XX/2018 On XX/XX/2018, I was in a car dealership buying a new car and I had to called Equifax to request that they do a temporary release of my credit report freeze. 

Please note my complaint is not directed toward the agents that I spoke to at Equifax, my complaint is against the companys management and the ridiculous questions asked to have my credit freeze release. 

The first agent that I spoke to wanted to know the name of my credit card and the balance on my credit cards from ( 5 ) years ago. I asked if they could give me the name of the credit card company, so I could give them the status of that account, which in all cases where paid in full, they would not provide that information. 

I tried to explain to the agent that it was impossible for me to answer that question, especially since I was in a car dealership without the benefit of my credit report in hand. 

Also, the thing that really got me upset was that from the very beginning of our conversation the agent must have been in an open office with other agents and the background noise was so loud that I constantly had to ask the agent to repeat the questions. I know that most large companies use out of the Country agents to provide customer service in the United States. 
Together with the agents accent and the background noise it was extremely difficult to carry on a conversation. I hung up and called a second time. 

My experience with the second agent was the same as with the first agent. However, this time the second agent asked me if I could tell her the name and balance of my credit cards from ( 20 ) years ago. I told her that was impossible. Then I asked to speak with a supervisor. 

I explained to the supervisor my experience with the two agents, and she told me the same thing, I needed to know the name of my credit cards and balances from ( 5 ) and ( 20 ) years ago. Once again, I told her I did not know, so she said I had to mail a letter requesting that my credit freeze be removed. I attempted to reason with her, while sitting in the car dealers show room, but she could not help. 

Consequently, I had to delay the purchase of my new car until I returned home and was able to remove the temporary freeze by going on line to Equifax. 

I understand how important it is to protect our credit information, but my experience with Equifax was not helpful and suggest that the Management of Equifax develop a better way of asking consumers personal credit information that is current and not ( 5 ) and ( 20 ) years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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. (SC)

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation