hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-22
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. (NJ)

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/ 2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (SC)

Complaint:
I have previously filed a complaint regarding my problem. The case number is : XXXX. The status is showing that it is still in progress. In the meantime, my employer has received a new garnishment letter, which says it will go into effect on XXXX/XXXX/2016. It is now XXXX/XXXX/2016, so it is supposed to take effect on my next paycheck, which is Friday. The order states they are garnishing 15 % or levy, which was supposed to be attached, but was not. It is issued to USA Funds, on behalf of XXXX XXXX. Can you please advise? I 'm already getting a paycheck for {$300.00}, if 15 % is taken off of that, I will not have anything left.

Company response to consumer: Closed
Consumer complaint received 2019-09-23
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. (UT)

Complaint:
XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report 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 2023-01-19
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: Experian Information Solutions Inc. (VA)

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 fumish 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 2023-06-14
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: Experian Information Solutions Inc. (TN)

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including Experian, XXXX, and XXXX. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.

Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

I have tried fixing it with credit bureaus several times. PLEASE DELETE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Complaint:
Bill was paid in full on XXXX, XXXX took the payment over the phone. Item was turned over to XXXX XXXX XXXX and put on my credit report. I got it resolved with them, and removed off my credit report with that company. Then the bill was turned over to Medical Revenue Service, after being resolved. This happened with 3 Bills. I called and tried to get this resolved and removed off my credit report but XXXX refused to listen or let me talk with a Manager stating that his manager do not have time to talk with me they have more important thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (WI)

Complaint:
I received a letter from Halsted Financial Services LLC stating that I owe this company XXXX, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act, Compliance with this request is required under the laws of state and federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
Fraudulent account abused and opened in my name. The account was removed and put back on 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 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

Complaint:
On XX/XX/XXXX, I was gambling online with XXXX. Their ACH payments system improperly authorized {$4.00} XXXX in deposits via ACH to my accounts that has $ XXXX in it. I ended up getting multiple returned ACH transactions from that incident. Since then, XXXX and I settled up for the real amount I owed {$230000.00}, but Citi cancelled my banking relationship closed my accounts and seized my {$800000.00}. I can't get any updates from them and they haven't sent or done anything. I have tried to tell them this was a mistake by a business and their ACH system and I had done ACHs with XXXX before with no issue. I have been a Citi customer all my life and had no issues. $ XXXX is my net worth and I don't have other money in bank accounts so I need to get this money back ASAP to pay rent, food etc. It was an accident and no one contacted me or talked to me about it. They just canceled my account and seized my funds. I need help as no one will discuss things with me at Citi. Their customer service says they have no info and then they hang up. I am a longstanding XXXX member and can't believe this is happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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. (TX)

Complaint:
FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}

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 explanation
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Complaint:
I am being sent to collections by an insurance company that I still have a paid up policy with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (OR)

Complaint:
My information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41

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 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-07-20
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-01-04
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. (CT)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
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. (AZ)

Complaint:
The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, and XXXX XXXX, XX/XX/2018.

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 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Complaint:
XXXX, Experian, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.

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 2021-07-04
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. (LA)

Complaint:
I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

Complaint:
I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX   letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have some credit inquires in my credit report. 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 2020-05-30
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:
Experian continues to report a negative XXXX account that is reporting inaccurate information. Experian has refused to due a proper investigation on this account by not allowing me to dispute the inaccurate information.

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 2018-07-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Complaint:
I have filed for removal of a bankruptcy public record I have on my credit report. Last XXXX, Experian removed it from my file for about 30 days. So I disputed it again and it was removed but a few hours later it was removed. There is no way US Court responded so fast. Experian is punishing me on purpose. I called my attorney and was I should be able to get it removed. XXXX and XXXX have removed it last XXXX but have kept it off. Experian is giving me trouble for no reason. They had already removed it why place it back on. US Court claims they should be able to remove it but I told them they wont.

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 2021-05-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Complaint:
The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley.

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