hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2021-01-21
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:
I have attempted to contacted XXXX  and XXXX  on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX  and XXXX  I am overwhelmed and do not know what else to do.

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 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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 2021-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Complaint:
I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Complaint:
auto insurance that was paid this company did not represent my interest in a accident without investigation by other company which they did n't report my side to the proper parties just wanted to close there case and settle i later dropped there insurance they tried to quick settle and did not replace my damage parts and inproper vehicle inspection. my monies were paid and they continued to send a final statement of monies owed by me i talked to them several times within that year and they would not provide proof of the XXXX dollars they say i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX  XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/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 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

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 2018-11-13
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. (TN)

Complaint:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of dthe informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX , and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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:
I FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS

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 2022-07-27
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. (FL)

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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 2023-02-14
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Complaint:
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. 

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. 

Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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: Experian Information Solutions Inc. (MO)

Complaint:
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

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 2022-11-12
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. (NY)

Complaint:
report on Experian that certain addresses on file or Un arcuate.

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 2017-06-15
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: McCarthy, Burgess & Wolff, Inc. (FL)

Complaint:
On  XX/XX/XXXX , I opened an account with  XXXX  for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on  XX/XX/XXXX . On  XX/XX/XXXX , I received the first notice relating to this matter from  McCarthy, Burgess and Wolff.  I never received any communication from  XXXX . After receiving that first noticed, I immediately called  XXXX , spoke to  XXXX  #  XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency,  I spoke to  XXXX   (  operator ), and she then transferred me to  XXXX   XXXX  (  XXXX  ext  XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on  XX/XX/XXXX . Furthermore, the  XXXX  statements have the wrong address. That is not my address, nor as it ever been.  XXXX  stated that she would submit a dispute on my behalf. Then, on  XX/XX/XXXX  I called and spoke to  XXXX , she said that the dispute was never done by  XXXX   XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor  XXXX   XXXX  ext  XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on  XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that  XXXX  put me in collections unlawfully, which impacted my credit report for equipment that was returned on  XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and  XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Complaint:
XXXX account XXXX This company wrecked and destroyed our lives to pay off an organized crime scheme involving XXXX XXXX  and fraud at the US/MEX border in XXXX. 

They have ruined our finances. They have stolen what we worked for. They have treated XXXX XXXX  as a joke.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Complaint:
I made several online purchases from XXXX on XX/XX/2023. I was double- charged on all of my purchases on that date. 
The charges in dispute with Citicard involve a charge for two mattresses which I never received and was notified by XXXX that I was refunded for both charges for {$160.00} each. I received only one posted credit from Citicard & was informed by the Dispute Center that I was responsible for {$160.00}. This dispute process has been ongoing for two months. Additionally, I have talked to two agents from XXXX who assured me that I would not be double charged. I have the documented correspondence. I have also talked to two Citicard agents who assured me that the matter would be investigated. I hav even contacted the CEO of Citicards and sent all relevant documents. 
I also did not receive credit for a refund for a return to an XXXX merchant. I returned a cabinet for $ {$42.00} & a watch for {$26.00} and received a refund from XXXX but the conditional credit was reversed by Citicard dispute center.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
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. (CO)

Complaint:
On XX/XX/2021 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item thru USBK Court of Colorado. I contacted the US Bankruptcy Court of Colorado directly to dispute the item in question and they replied in writing that they do not report or send information to any websites, internet search or credit reporting agencies. I then went back to Transunion and showed them the letter from the US Bankruptcy Court of Colorado and still no verification. The letter stated that they do not report or work with any credit bureau to verify this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is preventing me from the access to purchase a home and causing me hundreds more in interest every year. I have tried to provide everything possible to Transunion to resolve this issue I also sent proof that this was deleted from my XXXX XXXX report as well due to being unable to verify as well. I have still gotten no where but the same result and information no proof. On XX/XX/2021 I received a letter from Transunion stating that they reinvestigated and account is verified as accurate. Again they have not provided me any proof of where they are verifying this information from once again. They again have provided the same response after my initial complaint. This item needs to be deleted from my credit report if it can not be verified within 30 Days.

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 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OH)

Complaint:
my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: JPMORGAN CHASE & CO. (FL)

Complaint:
Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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. (WI)

Complaint:
I mailed out my dispute letter to equifax on XX/XX/XXXX XXXX Credit agencies have 30-45 days to respond. I recently ordered my credit report prior to XX/XX/XXXX and notice that there were some things on my report that were incorrect. Here are the items I want to dispute XXXX XXXX XXXX This account was sold to a debt agency that can not validate I owe them this debt. The account is closed and the balance is XXXX. 

XXXX XXXX BNK- This account was also sold to a debt collector who can not validate I owe them this debt. This is a charged off account meaning the original creditor was paid for this account and I do not owe a company that bought a debt that was already paid.

These collections violate my rights under the FCRA and the Statue of Limitations have exceeded the time frame needed for me to be sued for these debts. Please delete these items off of my credit report.

Company response to consumer: Closed with explanation