hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-17
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:
I disputed incorrect information contained in my credit report in a letter date XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. Please see the attached dispute letter that is dated, and time stamped. I thank you for your kind attention to this matter and hope to receive my updated credit report soon.

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 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

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 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Complaint:
My account was closed on XX/XX/XXXX for violating terms and agreements of my account. I was asked to verify my identity and verify where the funds came from to prevent fraud. I had done so multiple times and was just told they will not be refunding any money received from a life insurance policy and employment. They couldn't even disclose what exactly did I violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Please verify all info is true, accurate, and correct incomplete name spelling, address of record of this account. 
DEPT OF EDXXXX XXXX Balance : {$3800.00}

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 non-monetary relief
Consumer complaint received 2022-05-15
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Complaint:
On XX/XX/XXXX HSBC issued a online bill payment, as requested through their app, of {$5800.00} to XXXX XXXX  This payment was cashed by another entity on XX/XX/XXXX that is not XXXX XXXX  as evidenced by HSBC 's proof of payment ( see enclosed ). XXXX XXXX also signed an affidavit saying they did not receive these funds and sent this affidavit to HSBC on XX/XX/XXXX. We were forced to pay these funds again to XXXX XXXX  since HSBC lost the funds. We are waiting for HSBC to respond. They have been claiming, since XXXX that they are " investigating '' and yet, it is now 2 months later and they have failed to reimburse us for these funds and are no longer responding to follow up calls or emails. Please help. 

I'm enclosing the proof of payment provided by HSBC showing that they paid the wrong entity. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these items 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 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2017-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC (FL)

Complaint:
Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.

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 2020-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Complaint:
I Disputed in XXXX, XXXX, and XXXX of 2020 with EQUIFAX and XXXX credit bureaus about verifying the account of XXXX  account XXXX XXXX. I asked for verification with XXXX account XXXX  XXXX, and I received no response from them all three times. Equifax and XXXX  replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-12-10
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: EQUIFAX, INC. (TX)

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

Complaint:
The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. 
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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. (FL)

Complaint:
I have wrote them time after time to tell them to remove fraudulent information reporting on my credit and update my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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. (CA)

Complaint:
This was my 2nd CFPB complaint and a follow up to notify the Experian, XXXX and XXXX that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-08-10
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

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 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
I went to XXXX XXXX XXXX for a procedure called XXXX XXXX XXXX, this was suppose to freeze the from my XXXX, I was told by XXXX XXXX XXXX ( owner ) that procedure in question would best work for me. She stated that XXXX XXXX would get me better results with less complications. She did advised me of risk associated with this procedure such as XXXX  as you much XXXX XXXX.She also stated it may not work. She never said anything about the machine can and XXXX  you.She also stated they have many happy client as this procedure is not invasive. She states the procedure is painless and you can lay back and read a book.She states that the machine never touches your skin. I was convinced. I paid {$2000.00} for 6 sessions.1 session it was XXXX  but I chose to tolerated the XXXX. The second session was XXXX also. When I was taking a bath and notice a big XXXX   in my XXXX  which became XXXX. I Went to the Dr. and was given XXXX. I was left with XXXX XXXX XXXX  in XXXX. They refuse to refund XXXX to my Care Credit Card. These are two sessions resulting in my issues. I contacted the XXXX  and other agencies to no avail. XXXX sent me an agreement formstating that they would refund my money, if I would stop bad mouthing them and not sue them. I declined. Please help. 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 explanation
Consumer complaint received 2019-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
I only have one complaint and that is Portfolio is not reporting the correct amount on my file that is owed which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (FL)

Complaint:
I bought the car from dealer and the car had some issues, I was promised that they will take care of it and months go by no action ever taken. I called them to pick up the car because it was getting worst after three weeks they pick up the car and when I went to talk the dealer they wanted me to pay for a car that they have and already sold to somebody else and I told them I'm not doing that I thought they were fixing it so i can have a reliable transportation instead they sent me to the credit bureau. I tried to get it resolved with the dealer and the dealer is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Complaint:
Experian lists an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX, WA XXXX. Experian claims I must contact the creditor who provided the information, but the creditor is not listed, and Experian will not provide me with the creditor 's contact information. Furthermore, any account/creditor associated with the above listed address has been opened fraudulently. 

I 'm XXXX and I can not contact Experian via telephone. They do not respond to my letters via mail. They do not respond to accommodation/modification requests to communicate with me in an effective manner. 

This is Experian 's response : " Please note that we store name, address and telephone number information as it is sent to us by your credit grantor or from information contained in public records. We are unable to remove accurate information. If you believe a name or address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular name or address information on your 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 2023-06-05
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: Flexible Finance, Inc. (GA)

Complaint:
I DI NOT COMPLY TO DISPUTE THIS POSITIVE ACCOUNT, PLEASE, I'M BEGGING YOU TO RE-INSERTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation