hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  - Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) 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 2022-12-18
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: SYNCHRONY FINANCIAL (FL)

Complaint:
Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX  is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred.

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 2019-01-07
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: EQUIFAX, INC. (NC)

Complaint:
I am attaching a copy of the request that I sent to Equifax and XXXX XXXX on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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. (MI)

Complaint:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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: Experian Information Solutions Inc. (TX)

Complaint:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Experian. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Experian has failed to provide the method of verification as required under Section 611 ( a ).

Experian has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Experian updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

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 2022-09-03
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: Experian Information Solutions Inc. (CA)

Complaint:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about XXXX XXXX to complete that task but I have had to call Experian about XXXX times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help. 

**Note- this was previously submitted and I was just directed back to the website that didnt work and to call the number where its only automated. This is the root of the issue. I need someone to look at this as there is a system error on the experian side that the website and phone are reporting different 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 non-monetary relief
Consumer complaint received 2021-07-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Complaint:
On XX/XX/2021, I filed a disputes with Experian, XXXX  and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Complaint:
The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : XXXXXXXX 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 2023-08-12
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. (NY)

Complaint:
Account is for XXXX XXXX-Account being reported incorrectly as potentially negative but its been paid and closed.Reporting should not reflect it as negative

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 2019-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (OH)

Complaint:
I looked on my credit report and found this collection on my credit, however this account does not belong to me. I contacted the company and requested that they send me a signed application or anything that I personally agreed to in which they sent me nothing I told this company that the account was fraud and to please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (NJ)

Complaint:
I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. 

Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. 

As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. 

If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRANSWORLD SYSTEMS INC (GA)

Complaint:
XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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. (NY)

Complaint:
Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my XXXX and equifax credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Complaint:
On XX/XX/XXXX I received a text message stating CITI BANK : Did you attempt XXXX ( Declined ) at XXXX XXXX XXXX XXXX.Reply YES/NO STOP. HELP. I replied no and then someone called me from XXXX ( XXXX XXXX XXXX. It was a meal and they stated that theyre are calling from Citibank two confirmed a authorized transaction attempt. He then went on and said that someone attempted to use your card in California in the amount of $ XXXX.The meal stated that The transaction did not go through. Then he said he will close out the card and send me a new card in the mail. Then on Sunday XX/XX/XXXX I checked my account I seen {$5.00} remaining in my account. The person mad 3 different wire transfer on XX/XX/XXXX of {$990.00}, {$990.00} and $ XXXX.I called Citibank customer service immediately. They then Freeze the account and now it under investigation. On the XX/XX/XXXX I Spoke to a supervisor he stated to me that they will investigate and it will take up to 90 days. Also I had to file a complaint with internet crime complaint center. I then call back the next week to get some updates on my case. I was on hold for over a hour. The Supervisor looked into my case and told me on the XXXX they Made their determination that I will not be credit back my funds that was wired out of my account because they tried to request the funds back from the person account. The Funds was unavailable for them to retrieve back. I did not Received a call or letter in the mail stating their Determination on the account. I have been banking with them for a very long time never had an issue with my bank account ever until now .how theyre handling it its very disappointing and overwhelming. The supervisor did not help me at all. they know that I am a victim of fraud but still refuse to credit me back the money.

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 2017-07-29
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. (NY)

Complaint:
Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported.

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 2022-05-18
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. (OH)

Complaint:
Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX  XXXX XXXX, however it was 6 other hard inquiries : 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 non-monetary relief
Consumer complaint received 2020-10-11
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: Experian Information Solutions Inc. (FL)

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

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 2019-01-16
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: FIRST HAWAIIAN, INC. (CA)

Complaint:
On XX/XX/2018 i submitted a dispute to XXXX  for First Hawaiian Bank in which i have no idea where this account originated from. I also mailed First hawaiian on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: FC HoldCo LLC (VA)

Complaint:
FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined XXXX The IRS Publication XXXX Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

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

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something. 

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights. 

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information. 

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1. 

The above paragraph is taken directly from the IRS 2022 Publication XXXX. 

This account must be removed.

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