hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-05-16
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 recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # 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 2021-04-23
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. (NY)

Complaint:
THE DISPUTED ITEMS ARE ATTACHED, PLEASE INVESTIGATE EACH MATTER AND DELETE OFF MY CREDIT FILE.

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 2022-12-02
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. (IL)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WA)

Complaint:
Mazada financial services sent out an email stating effective XX/XX/XXXX additional payments would be applied to principle reduction rather than future payments. There is no benefit to the consumer who who may need to transition to a new job, lose their job or become ill and be forced to live on a reduced income temporarily and may need to use the paid ahead state until they are back to work or back on their feet. I spoke with supervisor XXXX at Chase who handles Mazada financial services and while he said that feedback would be forwarded no ability to respond or guarantee any chances. I was transferred by the first representative to her supervisor. The number called was XXXX. There is also no option to opt out of this new policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Complaint:
I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien

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 2023-03-01
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. (SC)

Complaint:
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. 

Accounts : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX have violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

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

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

Company 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 2019-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERIS BANCORP (FL)

Complaint:
I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.

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 — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I have three collection accounts reporting on my Equifax credit report that doesn't have the Collector or Original creditor named for me to contact. I wrote Equifax previously about this matter and they have kept these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

Complaint:
I have a problem with Equifax and XXXX not making it available to me what Mortgage score they report to mortgage companies and banks without my knowledge and consent. 

I am only able to see my mortgage score with XXXX but both Equifax and XXXX DO NOT make that number available to me, even though most banks and mortgage companies use that number to deny giving me mortgage loans or to qualify me for one. I believe this is a deception, and a violation of my consumer rights, especially since that information is used to deny giving me, and millions of other consumers, mortgage loans, or to qualify for buying a house. 

Credit reporting companies provide FICO scores, and my FICO score is GOOD with all 3 reporting companies, but XXXX is the only company that provides a mortgage score to consumers, however, both Equifax and XXXX maliciously " HIDE '' that number from consumers, even though they know their action will harm consumers. 

Mortgage scores should be not be " invisible or hidden '' from consumers because banks and mortgage companies rely on that score to give, or deny, giving mortgage loans to consumers, and they harm American citizens from their rights to purchase a home. 

I have been trying to qualify to buy a home for me and my family for the past 5 years, but, I have been denied every time because hidden mortgage scores and other info. are not available to me by Equifax and XXXX, and most banks and mortgage companies use the " HIDDEN '' numbers from Equifax specifically to deny giving me a mortgage. I can not fix, or improve, information and scores hidden from me, but is also used against me to deny me benefits and credit. 

By keeping the mortgage scores hidden, Equifax and XXXX DO NOT update, or correct scores and information regularly because consumers don't have access to that score, therefore, consumers can not dispute or challenge the incorrect information given to banks and mortgage companies. 

This is a violation of my fair credit reporting act, FCRA, and the consumer protection agency is responsible for enforcing our FCRA rights. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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. (AZ)

Complaint:
XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and equifax from conducting their investigations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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. (SC)

Complaint:
On XX/XX/2018 this letter was sent to Equifax signed for on XX/XX/2018 via certified mail. The first statement on this document states THIS IS NOT A DISPUTE it has been two months and Equifax has sent none of the information requested in the document. However Equifax used this document for a unrequested dispute verifying the information requested in this document as accurate. This is evidence that Equifax is not performing investigations as per guidelines of the FCRA. In the documents I requested the information that they ( Equifax ) use and the contacts of the individuals providing the information. Equifax has provided nothing. Please review all the documents sent on this portal and require Equifax to report fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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. (GA)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 2022-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Complaint:
the company is CREDIT ACCEPTANCE CORP Date opened XX/XX/2018 Original balance {$9600.00} what happened is that someone used my personal information and they did not verify that it was not me and today they do not want to be held responsible that it was not me and they do not want to help me, they have already been sued once because they do illegal things with many people.

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 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Complaint:
Navient, XXXX, and XXXX have not sent information requested three times. Copy of signed signature promissory notes, fraud complaint forms ie incorrect balances and or interest rates. I do not owe the amounts listed on my credit report and have asked that the debt be listed as disputed with ALL credit reporting agencies until all documents requested have been received to confirm the debt and interest rates are correct. The lender has NOT produced my signed with my signature on my promissory notes. I believe that someone is changing the terms of my loans to make it appear as if I owe more than I actually do and the lender refuses to provide information confirming the terms of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Complaint:
18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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. 

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  ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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

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

15 U.S.C 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (TX)

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Complaint:
On XX/XX/XXXX an account from DSNB Macys was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2022-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
My former employer was contacted by MCM collections in regards to a past debt which I attempted to resolved with a prior debt company and I wasn't successful. However, the debt was sold to MCM collections and they contacted my previous employer on XX/XX/2022, about my whereabouts to attempt to collect on a debt that is past the statue of limitations. I advised them that I don't want any contact and they violated my rights for no employer contact. This is a form of harassment and poor debt practices that caused me dispersity and anguish of embarrassment with my former employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AK)

Complaint:
I never once received any documentation or notice of debt. I havent gotten phone calls which I appreciate not being bothered but Im finding out about something I dont believe I owe 5 years later from the XXXX XXXX. It is in regards to a rent recovery for some apartment in which I roomed with the lease holder. Yet all rent was payed. The name of the apartment complex was the XXXX and the debt Holder is called rent recovery yet they havent even provided me any documentation that I owe anything. XXXX  doesnt have me down for that address rightfully so and doesnt list the rent recovery. Just XXXX.

Company response to consumer: Closed with explanation