hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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. (TX)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
i disputed a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs to 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 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2019-07-23
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
On XX/XX/XXXX a XXXX representative called me to alert me that my payment was late. I was surprised since I thought my account was on auto pay and since I was on paperless statements I had no indication that my payment was late. With learning of my oversight, I immediately paid my accounts full statement balance. I regularly pay my full statement balance. I keep close track of my FICO score and several weeks later my score took a huge plunge by over 50 points. Upon checking my credit reports, I learned that XXXX filed a 30 day late with the three credit bureaus. On XX/XX/XXXX I wrote XXXX customer service department and asked for a GOODWILL REMOVAL OF LATE PAYMENT since the reporting had a devastating effect on my credit score. Upon researching this topic I learned that a company does have the ability to remove a 30 day late reporting, it is called a GOODWILL REMOVAL OF LATE PAYMENT if they choose to do so. On XX/XX/XXXX XXXX customer service and operations center replied stating that their reporting was accurate and they would not be taking any other action. On XX/XX/XXXX I wrote to president of XXXX explaining my oversight and asked for a GOODWILL REMOVAL OF LATE PAYMENT as I had been a MVC ( Most Valued Customer ) since XXXX. On XX/XX/XXXX I received a reply from XXXX stating that their reporting was accurate meaning they will not remove the 30 day late reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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. (GA)

Complaint:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Complaint:
This is for the Citi AAdvantage Platinum Select Card. 

XX/XX/2020 -- Called to close account. No balance owed. 

XX/XX/2020 -- Receive 1st statement in mail saying I now owed a balance of {$99.00} for card 's annual fee. Called and spoke to a XXXX in Arizona, who confirmed that my {$99.00} balance would be XXXX  out. However, due to Citi switching cards over to a new system, they would not be able to prevent a new card from being mailed to me and couldn't complete the task of closing my account. She said there would be a follow-up call. Never received a call. 

XX/XX/2020 -- Receive 2nd statement saying I owe {$99.00}. Called and waited for 2 hours to talk to XXXX, who said my account was permanently closed and that the {$99.00} would be credited back to my account. 

XX/XX/2020 -- Receive 3rd statement saying I owe {$99.00} by XX/XX/2020. 

XX/XX/2020 -- Submit this complaint due to Citi not closing my account and trying to fraudulently charge me {$99.00}.

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 monetary relief
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Complaint:
I have disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Complaint:
My mother and I share a joint checking account to pay her expenses through Bank of America. Account # XXXX. On XX/XX/2022 an unauthorized charge was made for {$0.00}. On XX/XX/2022 an unauthorized ACH was taken from the account for {$7000.00}. 
I reviewed the account on XX/XX/2022 and went into the XXXX XXXX XXXX Branch and filed an affidavit and complaint and froze the account. I was told that a credit would be issued no later than 10 business days for the unauthorized amount. Several days later a credit of {$0.00} was credited to the account. I then called on XX/XX/2022 ( after the 10th business day ) and was told that it was still under investigation and a credit should have been issued but wasn't due to the dollar amount involved in the complaint. 
I have not been contacted by Bank except for me contacting them. They do not seem to be doing a proper investigation into the matter. 
My mother passed away on XX/XX/2022 and the money was supposed to be used to pay her final expenses.

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 2021-10-08
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. (NV)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: First Data Corporation (ID)

Complaint:
Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck  has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck  service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck  company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Marlette Funding, LLC (IL)

Complaint:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (PA)

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. 
XXXX Account # : XXXXXXXX XXXXXXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXXAccount # : XXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acc # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (NC)

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
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 (PA)

Complaint:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX  responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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. (TX)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09
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. (NY)

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-12-24
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:
The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from Equifax and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc. (SC)

Complaint:
Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashwood Financial Inc (TX)

Complaint:
Keep calling to collect debt for unknown person. Ask for " XXXX ''. No one I know. Keep calling over and over and over despite asking to be taken off their calling list. They hang up as soon as I ask to be put on their do not call list. Now they are blocking my calls to them. These calls are harrasment. Scammers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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. (NV)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation