hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX Transunion, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

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 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Complaint:
I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

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 2020-07-21
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. (NY)

Complaint:
On XX/XX/2020, I wrote experian a letter regarding inaccurate information that I requested be removed. I got no reply for more than 45 days and sent a follow up letter. Under the Fair Credit Reporting Act they are in violation of the law. By law, they must correct or remove the inaccurate information that I put in the letter. I have attached proof of my identity, and the two letters that I sent Experian.

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 2023-03-04
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. (TX)

Complaint:
XXXX authorized a credit card for XXXX XXXX XXXX XXXX  in Michigan using a fake driver 's license under my name. Upon contacting XXXX they said my information will be cleared from all credit Buearus however its been a year and XXXX has only cleared my name in XXXX and not in XXXX or experian. Charges started from XX/XX/22 where XXXX fraudulently approved a fake driver 's license under my name and gave the thief credit line of 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
If, after any reinvestigation under the paragraph ( 1 ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall .... 

( I ) promptly that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and

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 2022-10-17
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: EQUIFAX, INC. (CO)

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. 

Account name : 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 consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (CA)

Complaint:
Since approximately of XXXX of XXXX I noticed a fraudulent loan on my credit report. I reached out to mariner finance on various occasions and explained that I was a victim of identity theft and the account that was opened with them was fraudulent. I was told that it would get removed for they had realized that it in fact not me that opened this account. Nothing has been done about it. There were also hard inquiries by this company that were also supposed to be removed and it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Complaint:
I signed up for a Citizens bank Platinum checking in the middle of XXXX after receiving a flyer in the mail advertising a {$400.00} bonus for opening said account and making a direct deposit within 60 days. 

I met ALL requirements, including going to the exact link provided on flyer, entering the code, and direct depositing well above the required amount within 60 days as stated. 

It said in the fine print that the {$400.00} bonus would be paid within 90 days after the direct deposit. The direct deposit posted on XXXX, and it has now been over 100 days and still no bonus paid. 

I called several times and keep getting the runaround. They keep saying over the phone that I met the requirements, but unsure why it hasn't been paid out. And that they'll investigate and call me back, but they don't. 

I have attached photos of both sides of the flyer I received down below. Any help you could provide would be greatly appreciated. 

Thanks so much, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I had noticed unauthorized charges on my Capital One account and contacted the Fraud department, I reported the transactions and was credited back. However then I was re-billed for those same fraudulent transactions, even after both Capital One and XXXX  indeed verified it being fraud. 

I contacted XXXX and they admitted it was fraud and that they had " taken a loss '' yet I am still somehow responsible for these charges I did not authorize? 

We validated it as the items were delivered to a random address I am not associated with. 

I was re-billed on XXXX XXXX for {$32.00}, {$48.00}, {$64.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc. (CA)

Complaint:
I was a guarantor on my daughters XXXX XXXX account. It was a subsidiary account of mine. My daughter took over financial responsibility for the account in XX/XX/2016. For whatever reason, she did not pay the past bill before the account was switched over to her under a new account. 
I was NEVER informed by XXXX that a payment was missed and a balance was due. There explanation is that we had the bills set up to go to her. She paid them for years. The issue is that they never notified me before turning over to collections ... even though they have my contact info and my phone number. Even the the collection agency called me ... and I paid it immediately. But XXXX has the 'sent to collections ' on my credit report and wo n't take it off. I believe the should have notified me, as the guarantor, before sending to collections. I want them to remove the 'sent to collections ' from my credit report. Which they could do, but wo n't. Their procedures are flawed and I should not have a bad credit report because of their procedures. I desire the right to be contacted before a bill is sent to collections. 
Please ask them to remove the collections information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLIANT CREDIT UNION (MD)

Complaint:
Alliant Credit Union decided to close my account and take {$15.00} from my hard earned balance for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
On XX/XX/2020 I sent a letter of validation to all 3 credit bureaus and the furnisher ( XXXX XXXX ). Neither XXXX  nor XXXX   could validate this account and has since removed the account but TRANSUNION and XXXX XXXX XXXX XXXX continue to post this account.XXXX XXXX did not respond to my request but I received a letter from TransUnion stating it was verified. How could 2/3 credit bureaus not validate the account but TransUnion reports that they did validate the account without cooperation from the furnisher

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-06-24
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. (VA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXk XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # 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 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 2023-04-06
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: Experian Information Solutions Inc. (MD)

Complaint:
I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (IL)

Complaint:
XXXX XXXX  not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC

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 2019-06-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

Complaint:
Dealing with XXXXAES, I can not access links or pages to apply for Income Based Repayment. There process has been to stonewall all of my attempts since  XXXX 2018. This has caused my loans to go into default and my credit score has take a severe dive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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. (IL)

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 non-monetary relief
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

Complaint:
On XX/XX/2022 I cancelled policy number XXXX after XXXX increased rates. I have the policy cancellation and confirmation email from the company stating I have XXXX balance on that account. This is the second time XXXX falsely reports this to the credit bureau and hurts my credit score. They refuse to answer my direct emails and continue have ignored my requests for providing documentation proving explaining these charges and why they are linked to my report. This is inaccurate information and they are in direct violation of some of my consumer rights. I am submitting emails received from XXXX  demonstrating inconsistencies with their numbers. Cancellation was done in XX/XX/XXXX they did not cancel it until a month later. I am still owed {$930.00} for overpayments

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 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CA)

Complaint:
I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT I HAVE NEVER LIVED AT IN MY LIFE. 
NOW THIS COMPANY FRONTLINE AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS TWO COLLECTION COMPANIES. 
AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPEEND BY ME. AGAIN, SEND ME THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. IF DOCUMENTS ARE NOT BEING PROVIDED, DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.

Company response to consumer: Closed with explanation