hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-06-11
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. (NY)

Complaint:
Shows on my credit report as an account that was allegedly mine. 
Reported as a charged off account with a balance of {$700.00} and a credit usage of {$660.00}. 
If tried to dispute the account because I have never owned this account or any first premier products or services. I keep being reported negatively. I don't know what else to do as a consumer since this is the only thing that i negatively reflecting on my credit, i tried disputing it i don't have an account number, don't own a first premiere card. Basically the company wants me to assume responsibility for an account/bill i have not seen in the mail or encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
TransUnion is has refused victim rights under identity theft. Accuracy and fairness of credit reporting over the last few weeks have been speaking with agent from trans union regarding the unauthorized hard inquiries that was recently placed on my trans union profile. It is documented across all consumer reporting agencies that I was a victim of my data being exsposed in the the past. The inquires that was placed with my written or verbal approval is still. Being reported on my TransUnion profile. This is clear violations under the FCRA. And was recently denied line of credit because of the fraudulent hard inquiries TransUnion is reporting. These need to be removed immediately, I will be filing a federal complaint as well with my states attorneys office if this matter is token care of immediately

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 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
In XX/XX/2022 I paid off the card. I called to get the current balance and while on the phone, paid the stated balance off. Lane Bryant continues to charge me and I cant understand their customer service reps. Every month since payoff they add more money to balance. 

My payoff per their credit card phone system needs to be honored. 

It should not be this XXXX to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
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. (PA)

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, 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 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 explanation
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Complaint:
Trans Union is reporting a closed account as open.Plus it show a Derogatory {$82.00} a month payment on a closed account? Plus the account is a fraudulent account listed in a FTC report and police report. I was a victim of Identity theft. I sent trans union the report 3 times and it does not seem to matter to them. Plus the account is duplicated XXXX  times. 
Account # XXXX, all give different amounts on owed and XXXX showing a balance of {$570.00}. 
All opened in 2021. I have sent them everything proving my case! Account Name : XXXX XXXX XXXX Acct # XXXX **** ( XXXX of these accounts all duplicated and showing different things ) I have called them several times also. I have certainly did my part under the dispute process, They have never even responded about this dispute by mail or email or anything. It has been over 120 days waiting for response with this. This is violating my rights with FCRA etc. Even with the certified mail process. Trans Union is violating all my rights.

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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Alantic Personnel & Tenant Screening, Inc (VA)

Complaint:
Im now unemployed and going to be homeless because Atlantic employee screening is giving a false report on my background check saying I recently lived at an address in Maine Ive never been there and dont know anyone there they said they got the information from social XXXX XXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
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. (MO)

Complaint:
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 XXXX XXXX U.S Department of Education : # 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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years. 15 U.S.C. 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 explanation
Consumer complaint received 2018-03-10
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: CITIBANK, N.A. (ID)

Complaint:
Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.

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 2020-06-13
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: EQUIFAX, INC. (NY)

Complaint:
Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

Complaint:
After graduating from college I went through a divorce and was in a financial position where I had no choice but to file a Chapter XXXX bankruptcy. During that time my student loans went into something, I believe deferment. To this day I do not understand exactly what happened but it is something called compounding. My original XXXX student loans were in the amount of {$29000.00} and {$5400.00}. My current balances are {$37000.00} and {$6900.00} respectfully. I do have XXXX other smaller loans for XXXX courses I took ( {$3400.00} and {$5800.00} ). To date I have paid back a total of {$120000.00}. The XXXX XXXX loans are to continue through XX/XX/2032. My XXXX payments are {$330.00} and {$62.00} totaling {$400.00}. By XX/XX/2032 I will have paid an additional {$72000.00} for total repayment of approximately {$200000.00} on loans that were originally {$35000.00} ( XXXX ) that is almost 6 times the original loan. I am not a numbers person and am grateful that I now have people, around me, in my professional life who can help figure this type of thing out. I have paid my original loan amount of {$35000.00} off several times at this point and I simply do not understanding how this compounding amounts to anything less than loan sharking by PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked XXXX and Transunion to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to. 

Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since 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 2023-05-05
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. (PA)

Complaint:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kriya Capital, LLC (TX)

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to credence resource management I sent it to the bureaus and they ignored it. Please help if you can 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 explanation
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lazarus Financial Group, Inc.(Closed) (FL)

Complaint:
I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (PA)

Complaint:
I had disputed this alleged debt with the credit bureaus and the account was removed based off of the investigation. A couple weeks ago i got a call from this collector and the lady on the phone who was very rude stated that the account was back on my credit and that i should check my credit. Well i just checked it they have illegally put this account Back onto my credit. This is a violation of 15 USC 1681 i. I never got any letters stating that this account would be reinserted in my credit report. The collector has also been harassing me.

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 2021-12-07
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: Westlake Services, LLC (CA)

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX Westlake financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX2021 and XXXX/XXXXXXXX2021

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (IL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 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 explanation
Consumer complaint received 2022-09-03
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. (FL)

Complaint:
Fraudulent inquiries on credit report. I have reported these to FYC for identity theft

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 2022-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (WA)

Complaint:
Diversified Adjustment Account # XXXX. original XXXX Opened XX/XX/2022 Amount Dept {$310.00} The Diversified Adjustment collection agency try to collect the same amount of {$310.00} opened XX/XX/2022 I did not open any account with XXXX on XX/XX/2022 This XXXX  Account was disputed as a fraud on Report XXXX by XXXX. XXXX XXXX on XXXX, 2022 the amount of {$310.00} I files a Complaint amount the XXXX. XXXX XXXX and XXXX on XX/XX/2022 here are the Numbers : Complain # ID XXXX on XX/XX/2022 Second Complain # ID XXXX on XX/XX/2022 The manners of this XXXX  Account are Fraud my information is inaccurate I did not opened any account with XXXX ion 2022 I did not have any mobile phone with XXXX  Phone company...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

Complaint:
This company continues to report fraudulent information to my credit report on a transaction thats not mine, and causing emotional distress on my life situation. Its defamation of character to report false and misleading information. I asked them to provide a notarized copy of the accounting ledger from their accountant to verify and they couldnt produce it. Its also inaccurate as they report it on XXXX  and 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 2022-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK (WA)

Complaint:
Good Morning, Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT. 

Pursuant to 15 U.S. Code 1692b ( 5 ) a debt collector shall not use any language or " SYMBOL '' on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Discover has violated the FAIR DEBT COLLECTION PRACTICES ACT by using their " SYMBOL '' in the attached email.

Pursuant to 15 U.S. Code 1692d ( 2 ) a debt collector shall not use obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Discover violated the FAIR DEBT COLLECTION PRACTICES ACT by stating " this is an attempt to collect debt '' in the attached email. 

For these violations Discover is liable to me for {$XXXX} pursuant to 15 U.S. Code 1692k ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (CO)

Complaint:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

Complaint:
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation