hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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. (AZ)

Complaint:
In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX  XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Complaint:
MCM bought in  XXXX  XXXX  an Identity Theft debt from  XXXX    XXXX   which was disputed in   XXXX  ,  XXXX  had already removed it from CRA and then started to report it again. I have disputed the account through MCM but they have not yet mailed me the requested documents.  XXXX  says the account belongs to MCM, I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
My soon to be ex-wife who XXXX me with hot grease this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.

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 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I have had XXXX on my credit report since 2012. Its been closed but some collections company is trying to reopen the account by just changing the date on the report. Ive contacted them telling them they cant do that. and transunion wont take it off because from whAT they see it was opened recently but its almost ten years old. I need this taken off my transunion account its affecting me still and its not fair its not supposed to be on my credit info anymore

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 2018-02-14
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 have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 2022-03-08
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: AMERICAN EXPRESS COMPANY (FL)

Complaint:
My name is XXXX XXXX. 

I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022. 

The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX  XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX. 

All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out. 

I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose. 

They are wasting my time, stealing my money, and not trying to reconcile the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04
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:
On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX ; XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending (CA)

Complaint:
I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.

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 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (VA)

Complaint:
I have 2 complaints with ProCollect : 1 ) Trying to collect a debt that has already been paid. 
I moved out of XXXX XXXX XXXX, XXXX XXXX in XXXX of 2021 due to complications with COVID 19 and ultimately, unemployment. I transferred to another apartment within the same apartment complex. At the time, I had a grant from XXXX XXXX, VA that paid for most of the costs and had extra monies in my " apartment account. '' I have a statement from XXXX at XXXX, the apartment complex, from XX/XX/2021 stating all monies had been paid on the Apartment. I never received notice of the {$950.00} damage bill being collected until after I called ProCollect and disputed a {$950.00} damage bill associated with damages to XXXX XXXX XXXX, XXXX XXXX and referring to a signed document that was an addendum to the XXXX XXXX lease. When I disputed this bill and stated it was false due to the address listed on the paperwork they were claiming, ProCollect brought placed it on my credit report and associated it with XXXX XXXX and with a new date. Again this debt had already been paid 2 ) Prior to the debts being reported to the credit bureaus, I tried to contact ProCollect multiple times. I was told after my first round of disputes I could not speak to anyone besides a XXXX XXXX within the company. This elusive XXXX XXXX can not be contacted by phone. I emailed him 3 times prior to the bills being reported to the credit bureaus. I have disputed the bills with the credit bureaus and each time have been told that I am at fault even though I send in the documents I have. I have contacted him 2 times in the past two weeks, stating I just want to pay the bills, even though they are not mine, just to be done with it. Again, no response. I am at a loss. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Experian Information Solutions Inc. (MD)

Complaint:
This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - Experian, XXXX  and XXXX.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?

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 2019-02-15
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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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

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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$540000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (NY)

Complaint:
Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud. 
Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (OH)

Complaint:
I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (CA)

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

Complaint:
I submitted a complaint against United Revenue Corporation back in XXXX over a {$330.00} debt they are claiming has not been paid, XXXX 's response was " United Revenue Corporation ( URC ) is dedicated to investigating, verifying, and validating any account that may be disputed by a consumer. In response to this complaint, URC searched our records and then contacted our client to ascertain if any payment had been received. Neither our client nor this office has received any payment whatsoever on this account. In order to refresh the consumers memory, URC obtained an itemization of this account and mailed it to the consumer at the address he provides in this complaint. A copy of the letter is attached to our response as XXXX XXXX. URC has reported the account as disputed to XXXX but we confirm that the account and our report have been investigated and both are completely accurate. If XXXX XXXX can locate any information that would shed light on his assertion that the account has been paid, URC will reinvestigate. '' After reviewing this further ; I prefer to not have to wait until XX/XX/XXXX for this to fall off my credit when this is something that has been taken care of ; I unfortunately do not keep phone records from years ago ; and have no was of proving that this has been taken care of ; After diligent research Multiple experiences have occurred where this company has not been fully transparent and I simply want to resolve this claim, After seeing the " F '' rating on BBB ; and reading multiple accounts of people who 've had issues ; I simply am attempting to resolve this ; and am requesting that this company closes the account ; and removes this from my credit report as it should n't have ever been on my credit report to begin with. 

Please consider my request ; I really do not want to have to wait until XX/XX/XXXX for this ; but I will not pay for something twice. United Revenue Corporation should have never been sold this debt ; and have also been placed in an unfair position, However I still request that you assist me in resolving this and remove it from all credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation