hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

Complaint:
I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.

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 2019-05-06
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-01-26
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. (NE)

Complaint:
XXXX XXXX XXXX is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account

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 2017-05-19
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. (WI)

Complaint:
I just recently filed a complaint through CFPB due to   XXXX   XXXX   showing an inaccurate delinquent account on my credit report since   XXXX  . My most recent complaint from  XXXX  was me asking   XXXX   XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my  credit s  core to p lummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.

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 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

Complaint:
The pre-paid card I was sent expired with about {$150.00} left on it, so it was no longer able to be used. However, the company claims that the " funds do not expire '' and that by contacting customer service, you will be able to get a replacement card and still access your funds ( there is no way to do it from their website, it says you have to call customer service ). Unfortunately, when calling the customer service number on the back of the card, it is an automated system with no options to select for an expired card, and no option to speak to a customer service representative. I was finally able to resolve the issue by selecting the option to " dispute a transaction '', then getting transferred to a customer service representative. This seems like an extremely deceptive practice designed to make it as difficult as possible for people to get access to their money if their card has expired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NH)

Complaint:
Recently refinanced my mortgage. First payment was due on XXXX of 2019 I was paying weekly but then was informed I could not do that so they had to re apply my funds. I was told this was taken care of numerous times and on numerous phone calls and as recent as XXXX when I got another letter stating I was past due. Ive called 3 more times since then and emailed with no response and was even put on hold for 1/2 hour then disconnected. .my payments were as follows XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$1800.00} XXXX {$370.00} XXXX {$1700.00} Total of payments = {$6900.00} Monthly mortgage is {$1700.00} So for XXXX through XXXX I owe {$6900.00}. 
I have over paid by XXXX dollars and they keep telling me they are reversing the funds to correct it but I just got a notification that they reported it to my credit score. As of today my score dropped 48 points because of this. I need this fixed ASAP or I will be forced to take legal action. 
The only payment not shown is the XX/XX/XXXX which is not on account yet.

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 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MA)

Complaint:
I opened a CitiBank Accelerate Savings account roughly around XX/XX/20 and deposited {$6000.00} USD to the account, I was living in MA at the time I opened this account. I later learned there was a {$20.00} a month fee associated with the account. I called, asked for the fee to be waived XXXX which it was XXXX, I then removed all my deposits and called customer support and asked to close the XXXX XXXX Account. The customer support representative informed me they terminated my XXXX XXXX account and I then deleted username and password. A few weeks later I was notified via text message that my Citi XXXX XXXX account had incurred a {$20.00} a month service fee and the account was now - {$20.00} balance. I called CitiBank and they apologized and confirmed they waived the fee and closed the account. The same issue then continuously occurred escalating to now a - {$120.00} balance. I've called multiple times and they have apologized and confirmed the account is closed though they can not provide any written proof and the issue just continues on. Citibank is unable to verify me on phone and all physical locations are closed due to XXXX, they ignored my mail I wrote with a copy of my passport. CitiBank says I need to know the XXXX digit string of numbers which is my account number even if I provide XXXX, Passport and other security questions. Debt XXXX are now calling threatening to pay bill or debt will be sold to XXXX party. I have money, want to fix the issue though am locked out of my account. The problem is with CitiBank, not me. Account is still active and incurring fees even without any balance and I have no ability to terminate account. 

I have XXXX video of myself on phone with Citibank customer support XXXX ( I informed him I was recording ) outlining all these issues which I can not upload as file is too large.

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 2019-10-18
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. (MI)

Complaint:
On my Credit reports XXXX XXXX XXXX, reported as of XX/XX/2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

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 2022-03-05
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've submitted multiple disputes as well as contacted the credit bureau and original creditors. I've reported identity theft and place a security freeze fraud alert on my personal information but there is no change

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 2021-10-28
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. ()

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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. (FL)

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (CA)

Complaint:
This is my NUMEROUS 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 accounts 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, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXXXXXX XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$73.00} XXXXXXXX XXXX XXXX XXXX Balance : {$430.00} 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 Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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. (MI)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX  Balance {$900.00} account # XXXX XXXX XXXX XXXX Balance {$50.00} account # XXXX XXXX XXXX Balance {$0.00} account XXXX XXXX XXXX XXXX Balance {$330.00} account XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$100.00} account # XXXX Balance {$55.00} account # XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX  XXXX Act. XXXX XXXX XXXX XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states 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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (KS)

Complaint:
First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this 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 non-monetary relief
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (NY)

Complaint:
this company Mercedes Benz Financial Services claims my account is closed, repossed, Full termination/balance owing, past due with a remaining balance of {$6200.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. they have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number, reporting a balance on a reposseed car. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible! 
This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by MERCEDES BENZ FINANCIAL, repossessed in the state of New York, and sold by MERCEDES BENZ FINANCIAL on or about XX/XX/XXXX. Under the laws of New York and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation