hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And all inquiries, 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 non-monetary relief
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MO)

Complaint:
On XX/XX/2021 I filed a FTC complaint and the account was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Complaint:
I have a XXXX  XXXX XXXX credit card on my Experian credit report. The XXXX  XXXX XXXX credit card is not mine and I have confirmed with XXXX XXXX XXXXXXXX. I have dispute with Experian twice about this issue but they are not able to remove the incorrect information on my report. 
Report Number : XXXX Date GenerateXXXX : XX/XX/2021 2021

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 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MN)

Complaint:
On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.

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 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2017-07-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Oregon Credit Service, Inc. (OR)

Complaint:
Hello, I have tried multiple times to send requests for reciepts to be mailed to me along with my remaining balance. Over the past week i have contacted Southern Oregon Credit almost everyday trying to get information on my debt yet they are with holding the information. I have no clue if they are adding to my debt, if the payments are actually going to their purpose, and if they are trying to wrongfully increase my interest. I have nothing for my records from Southern Oregon Credit and have not recieved anything via mail regarding my debt for about 2 months or longer. Im tired of playing these games with this company. It goes to show that all those consumer complaints online are true. I get responses faster on this complaint site than i do from Southern Oregon Credit and they are literally located 10 blocks from my house. I refuse to call or go down there due to the vulgar language, abuse, and collection tactics. I want this to be over, i never want to be affiliated with this company ever again. I plan on taking action so that in the future other consumers will not be forced to deal with this company. I want my information that is being with held! I WANT RECIEPTS FOR XXXX/XXXX/2017, XXXX/XXXX/2017, AND ANY THEREAFTER. i AM BEING GARNISHED SO I HAVE NO OTHER WAY TO KEEP RECORD OF WHAT THIS COMPANY IS TAKING AND THERE SHADY TACTICS. THIS SHOULD BE REPORTED. THERE ARE LAWS BEING BROKEN PER THE STATE OF OREGON. I WILL BE COMING IN FOR THE FINAL PAYMENT TO GET COPIES OF ALL NECESSARY DOCUMENTS SHOWING SOUTHERN OREGON CREDIT HAS BEEN PAID IN FULL ALONG WITH A WITNESS AND RECORDING DEVICE. i have read from previous consumers about how this company will report debt as unpaid to continue garnishment despite being paid in full and i refuse to be your victim. I have copies and records of all my attempts to communticate with this company i also have verbal recordings of your creditors who use alias 's and their threats / vulgar language. Just something to keep in mind. I will keep cobntacting you and keeping record of everything until you facilitate what i am asking for, it 's not much and its the least you company can do for all my hard ships and suffering with the treatment i have recieved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: JPMORGAN CHASE & CO. (FL)

Complaint:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXXXXXX. 
Account Number : XXXX This is not mine. 

3. The status is incorrect for the following account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account JPMCB HL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Complaint:
I have repeated dispute XXXX XXXX inaccurate information that's on my credit report and Experian has repeated refused to correct my credit report despite evidence that the information could not be true. The last disputed result on XXXX shows the inaccurate information remains. Experian can not substantial that result with the evidence I provided and again include here. Specifically, on XX/XX/2016 when XXXX XXXX reported my account charged off for nonpayment, my account was current and all past due payments had been paid prior to that time as evidence from my Bank statements from which XXXX XXXX electronically withdrew the funds. Only Experian appears to be able to " validate '' the accuracy of this reported information, not even XXXX XXXX has been able to do so before this XXXX. I filed a complaint with this Bureau and after months and many extension of time, XXXX XXXX is unable to verify and attest to the accuracy of the information they provided to the credit reporting agencies. This Bureau is still awaiting a response from XXXX XXXX. 
>>>>>>>>> Similarly, the other credit bureaus were unable to validate the information received from XXXX XXXX and their investigation led to the deletion of the inaccurate information from my credit report. They were provided with the same evidence that Experian received and which I will once again attach here.

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 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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. (TX)

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-03-09
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. (IL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2021-12-10
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. (CA)

Complaint:
The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! 
I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a mortgage.

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 2023-06-09
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. (FL)

Complaint:
Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however as of my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the high credit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (MD)

Complaint:
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

Complaint:
I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with Discover bank. After submitting my application, Discover denied me of my right that I exercised in good faith of extending my credit. Pursuant to Federal Laws and 12 CFR 100 2 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right i n extending my credit through their financial institution. This caused me some small damages a nd inconveniences due to the fact that I intended on immediately utilizing this credit extension f or some family and household purposes. A Discover letter stating that I was denied based on Age of Youngest Inquiry, Ratio of Satisfactory Trades to Total Trades is too Low, Number of inquiries in the last month, which also is discrimination because it is my right to extend my credit through them for personal, household, and family purposes when done in good faith. 
Please be advised that the issues described in this complaint will be shared with the financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc. (NJ)

Complaint:
We went to a doctors office for XXXX XXXX XXXX XXXX XXXX XXXX The physicians office is in the same medical complex as a this small hospital, They suggested we go to the XXXX  XXXX  for the XXXX. This was a mistake we eventually returned to this clinic to get the XXXX  and the XXXX. In the meantime, we were admitted unknowingly in the XXXX XXXX. After the confusion was settled we returned to the clinic to receive treatment, unbeknownst to us that we were admitted ( on paper ) to the XXXX XXXX. These bills are not from the doctors office but the XXXX XXXX  which didn't service us! 
Secondlym we didn't sign a HIPPA release of our files to the collection agency of a hospital we didn't get admitted to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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. (GA)

Complaint:
In accordance with the fair credit reporting act : XXXX XXXX  - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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

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

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 2022-04-06
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. (CA)

Complaint:
on XX/XX/22 i sent a letter to transition disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my 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