hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Both Transunion and XXXX  have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.

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 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

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 2018-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.

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 2020-12-22
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: SYNCHRONY FINANCIAL (FL)

Complaint:
Back in XXXX a Guitar Center employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of Synchrony Banks/Guitar Centers mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get Synchrony Bank off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.

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 2023-01-23
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:
This is my XXXX 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 items 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 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 Balance : {$XXXX} XXXX XXXX XXXX XXXX  Balance : {$XXXX} XXXX ( Original Creditor : XXXX XXXX BANK XXXX COMPANY ) XXXX Balance XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX Balance XXXX {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-01-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Shindler Law Firm (IL)

Complaint:
ne would get back with me from XXXX XXXXl as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with XXXX XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from XXXX on the phone and no one ever called me back or sent anything in the mail. 
XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXXXXXX XXXX XXXXXXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXXXXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXXXXXX XXXX XXXXXXXX and no one ever returned my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (GA)

Complaint:
Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! 
When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: ENCORE CAPITAL GROUP INC. (OH)

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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. (CO)

Complaint:
Today, Im filing 2 separate complaints regarding Equifaxs continued violations of my rights under the FCRA. Following is my first complaint : On XX/XX/2020, I sent an envelope via certified mail to Equifax containing two letters labeled Enclosure 1 of 2 and Enclosure 2 of 2. The USPS.coms page XXXX XXXX XXXX shows that my letter was delivered to Equifax on XX/XX/2020 at XXXX XXXX. Enclosure 1 of 2 was a Method of Verification letter ( please see attached ) to Equifax regarding my previous disputes of 2 alleged dismissed bankruptcies theyre reporting on my credit report. As afforded by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA Section 611 ( a ) ( 7 ), my Method of Verification letter requested Equifax provide 1. The name of the original creditor ; 2. The creditors address and telephone number ; 3. The name of the person who verified your information ; and 4. The  documentation used to verify the dispute NOT LATER THAN 15 DAYS FROM RECEIPT OF MY REQUEST. To date, Equifax has not provided the information requested and continues to report this unverified information on my credit report. Because of their failure to respond and continued violation of my rights under the FCRA, I expressed mailed a notarized Affidavit of Intent to Sue regarding this matter ( please see attached ). Equifax received my Affidavit on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX XXXX  XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

Complaint:
I viewed my credit report and saw that there was a debt in collections. I have never received any mail correspondence, phone call or anything regarding this debt. I am unsure of why it is on my credit report and no one has even contacted me about it. When talking to the company representative and then a manager. They offered me no resolve and told me there was nothing I could do but pay the debt. They have reported it to my credit and that is not fair that no one, not even the company that states I owe a debt has contacted me regarding this debt. The company is called Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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. (NJ)

Complaint:
In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX PXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX 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 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Complaint:
On  XXXX   XXXX  I had to leave and go to Missouri for 18 months, while away  Wells Fargo allo wed my checking, savings acct. and credit card to be mishandled and closed them and reported them negatively to all   XXXX   credit bureaus, they never reached out to me. When I returned  XXXX    XXXX   I went into my local branch and after careful review they noticed I was not at fault and told me that I would not be responsible for fees that were associated with the account and they were going to reopen my credit card and checking and savings acct and update back to where they were prior to my depArture. None of the above happened, they even made me pay the money associated with the fraudulent activity. After 30 days past while I allowed them to investigate, no one ever contacted me I continued to visit the branch and I was treated like a criminal. They then told me they never promised to reopen any accts. they said they would look into it, what does that mean? Rou ghly 2 w eeks ago they insisted I pay the fees incurred from the late fees incurred on the credit card. I informed them that I would be filing a cfpb complaint.

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 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Complaint:
Received a collection letter in the mail from Debt Recovery Solutions , LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) dated XX/XX/2023. After receiving the letter on XX/XX/XXXX, In the letter, it stated a due date of XX/XX/2023 PLUS A DISCOUNT OFFER to settle the debt. ( See attached document ) I filed a report on their website on XX/XX/2023, stating that the loan in question was not mine and had been taken out using my XXXX identity information. The address used and bank deposited to were both in Utah. The loan originator had already determined the debt was not mine through documents submitted three or four years ago. I was never contacted again by the originator, XXXX XXXX XXXX nor current creditor, XXXX XXXX, XXXX, before DRS sent the debt collection letter last week. 

I received a response from XXXX XXXX, XXXX, Vice President of Client Services for DRS on via email on XX/XX/2023, stating " We are in receipt of your email. We will request supporting documentation to be sent to you for your review. '' ( see screenshot attached ) Today, XX/XX/2023, DRS submitted notice of collection to the major credit bureaus. DRS and I were working through a good-faith dispute that certainly had no time to be resolved and they should not have reported this collection. 

I am confident that the original documents will prove that the debt was taken out without my knowledge by parties unknown to me. The bad-faith tactics employed by DRS should not be legal and collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Complaint:
I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.

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 2019-03-19
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. (NC)

Complaint:
I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, XXXX & Transunion asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 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 2021-01-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of 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 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation