hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

Complaint:
I opened an account with XXXX 7 years ago and was brought by a collection company called LVNV FUNDING LLC Last reported XX/XX/2020 {$600.00} Open balance XXXX XXXX Original creditor This account was over 7 years old and they are reaging this debt which is legal. Because of this account i was not able to buy a home. They told me i had to settle the debt in which they would remove. I settle the debt and they still did not remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc. (IN)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX XXXX Social Security : # XXXX Mailing Address : XXXX XXXX XXXX, IN XXXX XX/XX/2020 I XXXX XXXX have made Multiple Attempts in the past year or two ( 2 ) to  Corret ( Wrong ) Postings on my Credit Bureaus. 

1 ) Professional Credit Services : Posting a debt of {$200.00} owed them. on my XXXX Bureau. It had been Deleted from my XXXX  Bureau. 

2 ) XXXX XXXX : Acct. # XXXX Posting a Balance of {$770.00} owed. Previously in XX/XX/2020 XXXX  Report Posted a {$0.00} Balance. According to FCRA, FDCPA Reinsertion of any alleged debt is illegal! But XXXX has.

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: Experian Information Solutions Inc. (NC)

Complaint:
Currently there is a credit card showing on my report for XXXX XXXX XXXX. This bank has reported to my credit reports that I have a {$350.00} charge off as well as MULTIPLE late payments throughout XXXX and XXXX. This account is not mine. 

When trying to resolve, I am told by customer service that I can not speak to anyone and get details on the account because my information ( aside from social and birthdate ) does not match the information on the account. I can't verify this information because it is not my information. This information includes mother 's maiden name and my address. 

Because I am unable to verify any information, I am unable to establish where this account came from or get any relief. 

I have even attempted to possibly pay the account, just to assist in fixing the information on my credit report. I am told that I can't pay over the phone but must send a payment via mail. This payment will need to include an account number that I do not have because they will not give it to me. Once they are able to find the correct account number to apply the payment ( after weeks of processing between mail and them finding the correct account ), they will then hold the payment for 2 weeks to make sure it " goes through ''. I am not given any option that allows for a timely resolution to the issue. 

They have given me NO options for resolving the actual damage to my credit report. They have offered the mailing of a fraud affidavit, which will include the request of account information that I DON'T have. This affidavit cant be sent any way but mail, and can only be returned by mail. This process alone can take weeks. From there, they can take weeks to " investigate ''. 

This is not allowing me a timely resolution. This account is fraud and needs to be suppressed accordingly until properly investigated. This account can not report on my credit bureaus if I can't even obtain account information due to fraudulent information given to set it up.

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 2022-02-27
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. (NC)

Complaint:
In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege 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 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-16
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: EQUIFAX, INC. (GA)

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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. (PA)

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. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes 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 or has reasonable cause. to believe that the information is inaccurate.

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 2022-05-01
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 # 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 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
Around XXXX of 2009 I had cancelled service with XXXX wireless ( cell phone service ) by contacting their corporate office via phone and was told that the service would be turned off and not be charged a cancellation fee. I do n't know why but I never received anything by mail or telephone call to inform me that XXXX was trying to collect an unpaid bill for the month of service before cancellation. Due to none payment Version sold my debt and I was contacted years later by Midland credit management. After speaking with them multiple times and trying to fix the issue, also speaking with XXXX, who does n't have any available information to give me, I have noticed that the date the collection was opened has changed a few times. I 'm concerned that there might be an illegal and/or unethical practice going on. Not only has the date changed but the price of the debt is significantly higher than should be. I have no other option than to submit a complaint. If nothing can be done from a complaint then next course of action would be contacting an attorney to investigate the matter in more detail for legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
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. (RI)

Complaint:
XX/XX/2021 send second letter. For dispute And received accurate and dont made investigation you has been verify account XXXX XXXX XXXX XXXX investigate account response has been verify I need fixed account because send all proof this account is no verify dont send me proof your investigation damage too much my reputation and need your fixed incorrect information of 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 explanation
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (GA)

Complaint:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX  '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: First Choice Assets LLC. (OH)

Complaint:
Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.

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 2023-08-07
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. (PA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-10
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. (AR)

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

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 2022-11-18
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. (GA)

Complaint:
I have been going back and forth with XXXX about a fraudulent account opened in my name in XX/XX/2015 which they have insisted is mine however have not provided any evidence supporting their information which I have asked for several times and they are legally required to provide to me by law. I have also provided TRANSUNION with a copy of this information certified mail and more than 30 days have passed without a response. I will be seeking compensation if the matter is not appropriately handled after this complaint has been filed. The debt has not been validated with the appropriate information and under LEGAL JURISDICTION they are violating my rights under the consumer protection act afforded by the FDCPA and can now be subject to a lawsuit with compensation of {$1000.00}. Beyond that I have provided them with both legal and federal documents negating the account is mine, which included an FTC Report which they are once again by law required to honor and a police report. I recently received a response from XXXX XXXX XXXX stating and I " quote '' they have sent this said account off to not XXXX but XXXX to be exact separate third party collection agencies which not only have they not provided me the name 's of but I was never contacted by to resolve since neither companies have my reporting address nor any other accurate information. I am also not understanding how this account was opened when you have to be military affiliated which neither I nor my family are. Once again they are violating yet another credit consumer protection law because per my current credit report it is reporting a past due balance of {$1000.00} in a charge-off status. The balance being reported is inaccurate since the debt has been picked up by several other agencies thus them receiving a tax break on the said owed amount. Per law the " past due '' balance should be showing as {$0.00} and since it is not and is inaccurately reporting per 15 U.S.C Sec 1681 ( a ) I now expect the account to be removed after final investigation. If it is not I will be suing. Please understand I am not providing you an option of removal of this account. It is being demanded and expected within the allotted 30 day time frame. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
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: EQUIFAX, INC. (IL)

Complaint:
I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: EQUIFAX, INC. (FL)

Complaint:
I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve 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 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.

Company response to consumer: Closed with explanation