hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-03
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. (NV)

Complaint:
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 2022-06-18
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. (DC)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights.

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Complaint:
Toyota Motor Credit repossessed my XXXX XXXX XXXX XX/XX/XXXX with 8 payments left on the loan after entering into default. The vehicle was then sold to and now owned by XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. Toyota has reported a written off balance of {$5800.00} which is unlawful and untrue. I owe Toyota Motor Credit absolutely no monies regarding this vehicle. Toyota Motor Credit has recovered all monies owed. I have spoken with the new owner and have discussed the transaction regarding the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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. (ID)

Complaint:
I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I am requesting a re investigation of the debt listed on my credit report under XXXX XXXX XXXX # XXXX {$540.00}. This account balance is not valid and it not owed. XXXX XXXX XXXX is in violation of FDCPA [ 15 USC 1692f ] 808 ( 1 ) because they are collecting fees on top of the debt amount. XXXX XXXX XXXX also has not provided any signed contract or proof of any services rendered. All XXXX XXXX XXXX has provided is a copy of a balance ledger which does not show what the debt is attached too. I do not owe any balance of {$540.00} or {$450.00} to XXXX XXXX XXXX and have sent them en estoppel letter on XX/XX/2019 through the Consumer Federal Protection Bureau and have not received validation of debt according to the FCRA guidelines I have disputed this before and this is not a Frivolous Claim this dispute is valid I want this account deleted and removed due to the many violations to the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint:
On XX/XX/2020 I deposited 3 amounts, XXXX, XXXX, and XXXX. I had a positive balance in my account prior to making the deposits of XXXX as shown to me both on the web application for Citizens bank and the mobile application. I took screen shots of the mobile application. Two of the amounts were checks and did show on hold but appeared to credit my account on XX/XX/2020. I can show this in a screen shot as well. I had a positive ending balance on XX/XX/2020. I was charged overdraft fees on XX/XX/2020 of XXXX, 7 overdrafts at XXXX each. This caused my account to go negative and generated true overdraft transactions. I was then again charged overdraft fees for those transactions and then again today on the XXXX. At no time was my account negative where I was shown the reasoning for the overdrafts. It is deceptive practice fr Citizens Bank to have done this! I am now almost XXXX negative, XXXX that was caused by Citizens Bank and XXXX I do not have. I indicated to the that if they are seeing something different than I am on the front end application through the web or mobile then it is deceptive to the user, me. I want the charges reversed and the admittance of a mistake or a blatant misleading to the consumer. I understand if I was negative and charges went through that forced a negative balance but in this case it did not. And the overdraft charges are continuing to cause overdrafts. I called the Federal Trade Commission and they gave me your information. How can they do this to someone in this time with all that is going on? Did they think I wouldnt notice the positive balance in my checking account?? How can you cause someone to go XXXX negative??? 

I was part of a class action several years ago where Citizens did this type of thing to many people, it was determined as deceptive and many were awarded refunds. I received a refund of all the overdrafts for a period of time. 

I want the charges reversed. I did not cause this issue Citizens did, and charging me for something that was not an issue as far as I could see is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13
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:
Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Complaint:
I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
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: Conn's, Inc. (TX)

Complaint:
Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's  representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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. (PA)

Complaint:
I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Complaint:
IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

Complaint:
I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS   XXXX   XXXX   XXXX  . EXPERIAN CLAIMS TO HAD VERIFIED  THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS.

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 2017-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

Complaint:
I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-09-14
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. (CA)

Complaint:
Equifax did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (AZ)

Complaint:
( Hard inquiries that need to be removed from Equifax credit report, with dates ) Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
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. (TX)

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-08-16
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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. (FL)

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2016-01-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sullivan Asset Management, LLC (TN)

Complaint:
On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (FL)

Complaint:
I did not receive any notice if this Debt Collection. I contacted the debt collector about this debt, The advised me to Pay half to remove off of my credit report. I then could not help but notice i have never received any information regarding this Debt in the mail or via Email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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. (OH)

Complaint:
Disputed a XXXX  with Experian in XX/XX/2021. Experian states remains and the furnisher of information is XXXX XXXX. I have my consumer report that shows XXXX  were removed in XX/XX/2021 and XX/XX/2021. I disputed again with Experian in XX/XX/2021 and uploaded all paperwork from XXXX XXXX showing removals of XXXX XXXX  and copies of my consumer report from XXXX XXXX showing no Bankruptcy 's. Experian again states XXXX XXXX remains and the furnisher of information was 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 2023-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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