hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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. (CA)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints several times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. Transunion has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please see the accounts are corrected at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingUSA (FL)

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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. (FL)

Complaint:
NEW INFORMATION ON COMPLAINT please review attachments, this is a very serious matter I'm affected by identity theft fraud and accounts listed on my FTC report is damaging my reputation and my credit ability please remove from my credit file. fraudulent account listed : XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX # XXXX .... I called Experian about this matter and mailed in a dispute but Experian failed to make sure ACCURACY of this account was 100 % AND THE investigation wasn't fair

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 2021-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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: Convergent Resources, Inc. (GA)

Complaint:
on XX/XX/2020 Convergent outsourcing collection added a derogatory mark on my credit report per Credit XXXX, XXXX, and XXXX. Upon further research, this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtors Creditor did not verify this collection, Also there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its Mines. According to the FCRA Convergent Outsourcing collectionhas violated my rights as a consumer and I'm requesting legal action to remove this account 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 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (WA)

Complaint:
This Company, FBCS repeatedly calls Me. I do not owe any Debt and have told them. They continue to repeatedly call. Have received no written information about any alledged debt by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Complaint:
I observed charges of {$1.00} per transaction on my bank account, notably on XX/XX/21 and XXXX, along with other occurrences throughout this month. These deductions, totaling {$1.00} for each transaction, have raised concerns about the consistency and frequency of these fees. I would appreciate a detailed breakdown of these charges, seeking clarification on the nature of transactions triggering this fee. Understanding the specifics will aid in managing my finances more effectively and addressing any potential discrepancies. Your prompt attention to this matter is crucial for resolving and preventing further complications with my account.

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 2020-04-22
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. (WA)

Complaint:
In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! XXXX XXXX. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX The three credit report bureaus : XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA 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 2017-06-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

Complaint:
This account was written off fro m Ally Financial ...  It needs to be removed from all  XXXX  of my credit reporting bureaus.

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 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Complaint:
USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I have a bankruptcy showing on both my Transunion and XXXX credit reports. The bankruptcy is from XXXX XXXX and was filed in error and promptly dismissed in XXXX XXXX with no judgment ever being entered and bankruptcy never actually being declared. I have tried to have the item removed as even their investigations show the case dismissed in three weeks with no judgment but it still shows on the reports. An actual bankruptcy can drop off in seven years, this has persisted for six years and was never an actionable case. I have contacted both companies every three months since XXXX XXXX to no avail.

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 2020-12-29
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. (PA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (FL)

Complaint:
i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021

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 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (TX)

Complaint:
Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
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. (NV)

Complaint:
We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from XXXX XXXX and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with XXXX XXXX for the full amount of the HELOC value - they literally would not negotiate a lower rate XXXX XXXX. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found XXXX XXXX had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted XXXX XXXX to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish XXXX XXXX for a fraudulent filing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
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: Credit Karma, LLC (CA)

Complaint:
Hi. I have applied for XXXX XXXX which is a credit card meant to help consumers pay for medical bills. I got approved for XXXX XXXX on XX/XX/2018. XXXX XXXX is by XXXX. I am using Credit Karma to monitor my credit score and when I applied for XXXX XXXX, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by XXXX XXXX. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that Credit Karma reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called XXXX ) and XX/XX/XXXX ( by XXXX  ). I have checked Credit Karma FAQs and found out that XXXX   does not even exist and it is an issue consumers encounter when applying for/getting approved for XXXX XXXX. 

I am seeking help to REMOVE XXXX 's hard inquiry. It shows as " XXXX '' and it says it's " NATIONAL CREDIT CARDS/AIRLINES ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for XXXX XXXX by XXXX. 

Please advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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. (NY)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
Capital One has a credit on there from over 10 years ago. Each year they change the date to a current year, and its inaccurate, this charge is from 2007

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

Complaint:
I received a phone call XX/XX/18 from XXXX XXXX XXXX  about a debt of a card that I am unaware of and is apparently from XXXX - The man said he was mailing me a packet and would be filing a civil law suit. I have an excellent credit score that I have worked very hard for, i do not have any outstanding debt or a card in collections. I am not sure of any XXXX account he is speaking of. I researched because all credit debt even when not paid goes away after 7 years on your credit report but also has a statue of limitations, which upon investigation is 3 years in NC. I don't know who these people are but it seems illegal to call and scare people telling them they are being sued for an account of something they're unaware of and believe to not be theirs. from 15 years ago. I went and pulled my credit report because I was scared by being told I was being sued and confirmed the accounts that I have and that I have all on time payments and excellent payment history and current. Not sure how to handle. I told the man I would report them to the XXXX XXXX XXXX but figured it would be better to go to consumer finance after investigating and after seeing multiple posts from other people about this and that this is some scam. I can't believe that I am taking time out of my day to deal with people who thrive on scaring people, but my credit and protection of my social security number is very important.

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 2022-02-23
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: Experian Information Solutions Inc. (CA)

Complaint:
I am so puzzled about this situation. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint for the 2nd time. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again. EXPERIAN was not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief