hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor Sears. I have received no response from them and/or no proof to validate their claim. 

They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor Sears. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely

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 2016-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (MD)

Complaint:
I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Complaint:
Opened a Citi Checking account and made enhanced direct deposits totaling {$1000.00} within the first 90 days to receive a {$200.00} bonus. The promotion bonus was advertised to be sent within 30 days. 30 days has passed and I haven't received the bonus, now I'm charged a monthly fee for not having {$1500.00} or direct deposits on the 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 monetary relief
Consumer complaint received 2015-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (OH)

Complaint:
I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

Complaint:
So far i sent 3 dispute letters. XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all requested that this company KIMBALL TIREY & ST. JOHN validate an alleged debt that they say that i owe and they are reporting it as a valid debt to XXXX and XXXX but ignore me when i ask the to prove it. So it has been 120 days since my first letter and they have ignored me. They are violating my rights as a consumer knowingly. And i've recached out to the credit bureaus two and they also are ignoring my requests. I am a consumer asking for validation under the Fair Debt Collection Practices Act and this company reporting this alleged debt has failed to live up to their legal obligations. As a resort i am asking you guys to enforce my rights as a consmer because this is stressing me out and hurtig me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

Complaint:
They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Complaint:
They always take like a week to have my deposit available, and they charge XXXX fee for overdraft almost the same day...

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 2023-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC. (FL)

Complaint:
Tied to open an account. Was advised that they were unable to verify my identity. When asked for specific answers and pote rial resolutions, they now state that they reserve the right to refuse account opening to anyone. Contact XXXX at the executive office,

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 2017-09-09
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: Experian Information Solutions Inc. (CO)

Complaint:
Because of the data breach at equifax, I am putting a freeze on all 3 credit bureaus.
I had no trouble doing this with both XXXX and XXXX. BUT.. experian is causing me trouble.
I entered all the correct data on their website. But..they claim I did n't answer a question. Correctly. When I looked for more information ... I was told the question about a vehicle I purchased prior to XX/XX/XXXXwas incorrect.
Well..I am XXXX  years old. I have owned a XX/XX/XXXX, a XX/XX/XXXX, XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX a XX/XX/XXXX, and a XX/XX/XXXX. But..they only want one. Which one? I think I guessed wrong. How in the world can anyone my age ever get this right?
Also..the question about phone numbers ... 3 of the possible answers were correct ... which one do they want? 3 are true.
So..now they want copies of my current utility bills to prove my current address. I have been the sole caregiver for my elderly parents for the last year ... the bills are all in their names.
How do I get thru to them? I need to see what is on my report and I need that credit frozen.
Every other redit report bureau had no trouble with my info ... geez ...
Please help!
Contact me at XXXX. Or by phone. XXXX XXXX I am really worried that the timing I. This is very important Thank you, - 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 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2022-08-25
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. (PA)

Complaint:
I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the XXXX and Transunion but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A

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 2022-08-06
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. (MO)

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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. (OH)

Complaint:
I have sent XXXX... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give XXXX, Equifax, or, XXXX written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXXXXXX XXXX  ... XXXX XXXX XXXX XXXX XXXX XXXX is still reporting my XXXX XXXX... they are using a XXXX party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had GAP INSURANCE, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . all names and addresses, jobs that doesn't match my current information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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 XXXX 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 customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MN)

Complaint:
I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.

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 non-monetary relief
Consumer complaint received 2023-07-11
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. (VA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc. (TX)

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2021-06-08
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: HYUNDAI CAPITAL AMERICA (NY)

Complaint:
XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 XXXX, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

XXXX  - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove 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 2022-05-17
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. (GA)

Complaint:
Account name : XXXXXXXX XXXX XXXX  account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX account type : collection, original creditor : XXXX  account name : XXXX XXXX XXXX XXXX, account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection Account name : XXXX. XXXX, XXXX, account type : collection n 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

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 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (IL)

Complaint:
About 5 years ago unbeknownst to me, my late wife acquired a few credit cards and ran up some debt. She passed away 4 years ago which is when I found out about this. I spoke to Consumers Financial Protection Bureau and was told that if 1 ) I didn't apply for the card, 2 ) never used the card, and 3 ) don't live in a community property state, I am not responsible for her debt. Using this information all of the credit card carriers, XXXX, etc. wrote off the debt. However US Bank eventually wrote it off but now they are calling me constantly, even after I asked them to put me on their " Do not Call " list. I understand they can be fined for that. They call from XXXX. It may be a collection agency. My credit score was hurt and still is with XXXX, XXXX who show i have 9 late payments with them. XXXX has my FICO score at XXXX where it belongs. Can you help me? Respectfully, XXXX XXXX XXXX cell XXXX. I'm going to be XXXX years old and the phone harassment bothers me. Thanks

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