hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-09-08
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. (LA)

Complaint:
XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or aroundXX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXXup until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

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: 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. (NC)

Complaint:
I have disputed a public record filing of bankruptcy because the furnisher of such reporting has not been verified by Transunion. I have disputed in writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I then disputed in XXXX, XXXX, XXXX, XXXX of XXXX. After all of these disputes, Transunion has yet to provide accurate information furnisher verification. This is important information to provide so that I can investigate and correct my report. In XX/XX/XXXX, I called in to initiate a phone dispute and Transunion informed me they were unable to access my report because they did not have my correct personal information and needed to send my file for maintenance. Finding out that Transunion has not been documenting my information correctly and then refusing to take my dispute is against all FCRA laws governing credit reporting agencies ensuring they are provided accurate and verifiable information for a consumer. When I called back later in XX/XX/XXXX to discuss the errors in my file and to once again request the furnisher of the bankruptcy reporting the manager XXXX informed me that they are not allowed to provide this information so that I can not investigate the origin of such information to get it corrected. Transunion has violated all rights I have to investigate, obtain verifiable information in order to correct my report, in addition, they have not been keeping accurate records of my personal information. I have attached a copy of the same dispute letters I have sent 10 times via USPS mail to Transunion. Transunion also does not show my record of disputing with them, which in turn makes me think they never investigated my dispute.

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 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Penn Credit Corporation (PA)

Complaint:
There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Complaint:
XX/XX/2020 inquiry. XXXX XXXX XXXX. I did not make this request and have no idea what it is. No other credit agencies are reporting this. 
XXXX XXXX and XXXX XXXX  XXXX are the same inquiry and happened on the same date. The other agencies are reporting this correctly as one inquiry. 
Have tried to dispute this multiple times but the transition app and website keeps telling me that there are technical issues and to try back later.

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 2021-07-08
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: GOLDMAN SACHS BANK USA (WA)

Complaint:
on XX/XX/2021 someone used my credit card to order something with XXXX. Since this is an Apple credit card, when I got a notification of a pending transaction, I immediately notified Apple Card Customer service. I never had a postmates account, never used their services. Yesterday I received an email stating that Goldman Sachs Bank USA has investigated my transaction dispute, and it's been resolved in favor of XXXX XXXX. When I called them to find out why several customer representatives told me they have proof from the merchant. When I asked them to provide me with the proof, one of the managers said " actually when I open your file, there is no proof, anyway for right now you are responsible for this transaction, or we can reopen your case '' seems like whoever was working on my dispute case just decided on their own, without having any evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (NY)

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DC)

Complaint:
Good day, I never received any mail, or any notice of this alleged debt. I have continued to request for verification and validation of this debt but to no avail. This company continue to contact me and harass me at work and home with threats of jai l ( Attachment Warrant ) this i s the last communication i had with them. This debt is not mind, i have never had a contract with this company.

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 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (CO)

Complaint:
1. Denied Credit Freeze- with my current address 2. Denied annual credit report because of my address. 

I am an American Citizen with a valid social security number. 
per complaint # XXXX : Submitted false information that I received a credit report on XX/XX/XXXX from Innovis. 
It NEVER happened. Further text says their is a security freeze on Innovis ' account. 
Phone conversation of XX/XX/XXXX revealed no such freeze. 

Text also goes on to say that it was mailed to me- in XXXX where I was living? - Never happened. Innovis policy says no international mail, in or out. 
What about now - annual report and freeze status? 

Text also says : I can request a credit report. - Impossible with my current address, and the phone conversation of XX/XX/XXXX said Innovis does NOT accept international mail. 
They also said they would not accept US Federal government information about my current address such as 1099 Social security since it is in XXXX. 

Suggest a Federal investigation on Innovis Policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CORELOGIC INC (IL)

Complaint:
Credco is claiming that they are a part of CoreLogic for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Complaint:
The auto loan company XXXX has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. XXXX was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and Equifax. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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. (IL)

Complaint:
In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 These have violated my rights. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MT)

Complaint:
On XX/XX/XXXX at XXXX I went to go send my friend some money through XXXX XXXX and my account got blocked after that and I have contracted Citi Bank XXXX times and they said that they can't verify my account via phone number and my phone numbers are on there since I opened this account and they also said that they sent a letter out with a reference number on it and I've been waiting for that letter for 3 weeks and I continued to call them about this issue and they also said that the sent out 3 more letters and I can't close my account because they need to verify my identity to have full access to my account so they can close it so I really need help with this issue and my checking account is still currently blocked and I can only see my savings account on the mobile app and not my checking 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 2019-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Complaint:
I filed a dispute with equidad in order to add an statement to an account that was closed illegally by the lender. Once the investigation was completed I received an email to see the results. When I tried to access the results the equidad website directed me to call them in order to confirm my identity. I called them and they said they were unable to help me over the phone in order for me to access the results online. They claim they do not have a technical support department to see why I can not access the results online. I spoke with supervisor XXXX who was totally unhelpful and seems like she was making up excuses to get me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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. (HI)

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than XXXX days late. Statements are attached showing the payments within XXXX days of due date ( Highlighted in yellow ). I have reached out to XXXXXXXX XXXX on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Complaint:
I had a student loan with Wells Fargo until they recently switched to XXXX XXXX. They inaccurately reported that I was past due over {$10000.00} resulting in my credit score dropping 50 points over night. They were sending past due notices to the incorrect address as well as had my name incorrect. I randomly picked up the phone XXXX day from a XXXX number and found out I was past due on my account even though I was in forbearance due to Covid-19. I immediately made a payment so they wouldnt send me to collections. I then made a second payment, bringing my last due amount to around {$300.00}. I called and asked if I could wait to make a payment since they no longer owned my loan. I didnt feel right paying them when I would be paying a new company 2 days later. That night, I received a notification that they said I was past due {$10000.00}. Its completely inaccurate and they refuse to change it, even though they dont even own my loan anymore. They tacked on several late fees all without my knowledge. They said they attempted to contact me but I received nothing. I asked for address and name updates, all of which they said they did and I still received nothing to indicate I was past due. It has ruined me financially and they refuse to work with me.

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 2019-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Maximization Group, Inc. (NJ)

Complaint:
XX/XX/XXXX mailed my original letter XX/XX/XXXX the mailed me the breakdown of my services and that's a hippa violation XX/XX/XXXX mailed hippa letter to them and they signed for it XX/XX/XXXX XX/XX/XXXX heard nothing back XX/XX/XXXX mailed them a letter and they signed for it on XX/XX/XXXX ( currently waiting )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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:
XX/XX/2020 I TRIED TO CALL XXXX XXXX, EXPERIAN, XXXX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL

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 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (IL)

Complaint:
An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged 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 2023-06-07
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:
All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Complaint:
I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX  but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue. Whoever had a hand in this false information. They told to his to the XXXXXXXX XXXX XXXX XXXX  : my potential landlords. I want to know who put up the false information about me.

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