hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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. (FL)

Complaint:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation (NY)

Complaint:
Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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. (IN)

Complaint:
On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent Transunion and XXXX a copy of the report showing XXXX deleted the account and TransUnion and XXXX says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.

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 2023-04-08
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: Experian Information Solutions Inc. (TN)

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/ 2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries from 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 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

Complaint:
LexisNexis has used a 2nd party ( XXXX ) to verify a Bankruptcy on my LexisNexis credit file. They by law, the Fair Credit Reporting Act can't do this. It must be provided by the original source which is the bankruptcy court. Enclosed, please find a letter From the XXXX  XXXX XXXX Bankruptcy XXXX who holds control stating they don't supply this information to any credit reporting agencies. Also enclosed is a letter from LexisNexis addressed to me stating they used XXXX as the means to verify this information. That's illegal and violates my rights as an American consumer. This bankruptcy is to be removed from LexisNexis ' files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Complaint:
I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

Complaint:
I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the property. This was going fine until XX/XX/2023. They took it upon themselves to charge me to a service that I never received. They said that they came and sprayed outside. However, the appointment was never scheduled, therefore no one was home, and there is no proof of any services rendered besides a bill they sent. Just to be clear them spraying outside is typically for the summer months for bugs. There is no bugs outside in the XXXX so I am not sure why they would do that. They didn't schedule the appointment therefore the inside was not sprayed, nor was the mice bate stations serviced, and I am not even confident that they actually sprayed outside the house. Once I got the bill I was upset because didn't schedule the appointment and I do not believe my home was serviced and worse case scenario properly serviced. I have never missed a payment with them or any other company for that matter but I refuse to pay for services that was not rendered which I told them that and canceled their service. 

In XXXX I received a notice from a collection agency. Kinum asking me to respond to the notice which I did and sent through certified mail on XX/XX/23 tracking number XXXX XXXX XXXX XXXX XXXX. They stated if I responded they would investigate the debt prior to trying to collect, but they did not stop. Then on XX/XX/23 i received another letter from them requesting I pay the money. They didn't respond to the certified mail at all. I called the number on the notice XXXX and entered the account number and it only refers me back to XXXX XXXX. I can not speak to anyone and I am not being heard. The bill is {$65.00} and I have nothing on my credit report because I pay all my bills on time. I do not want then trying to put false debt on my credit report. I would never skip on a bill if it is truly owed. I would never risk ruining my good credit score for {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (AZ)

Complaint:
This is my 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 items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverwalk Financial Corporation (FL)

Complaint:
A collection from DEVILLE MGMT showed up on my credit report. I have not outstanding debt. I tried to contact them but the information on their website is just puts you in a holding pattern and no one answers. Also no communication about the debt just showed up on credit report as mixed CC???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-01-04
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. (FL)

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
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. (AL)

Complaint:
THIS IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF 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 explanation
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (FL)

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 explanation
Consumer complaint received 2020-01-27
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. (FL)

Complaint:
I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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. (CA)

Complaint:
XXXX  and Equifax credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX/XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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. (NY)

Complaint:
I am a victim of 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 explanation
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

Complaint:
hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed.

[ 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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. (CT)

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; CAPITAL XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Complaint:
Wells Fargo investigated a missing payment from their remediation program in the amount of {$5100.00}, an affidavit signed, their treasury management fraud claims team was unable to recover funds from cashing bank, XXXX. The claim was denied according to XXXX XXXX, claim rep for mediation. As explained in numerous prior CFPB complaints in re, the check in amount of {$5100.00} was sent to my old address after I moved, intercepted and cashed by another party.. The address was not verified before sending, an error on end of Wells Fargo. This was also explained in prior CFPB complaints, Wells Fargo reps refer to checks as cashed, even though fraudulently. Further, there is an unresolved issue pertaining to IRS reporting of payment, a 1099 form showing amount reported to IRS for tax year 2020. Wells Fargo refuses to correct reporting information and or reissue payment. To date, I have not received corrected 1099 form or check in amount of {$5100.00}. Their reply regarding this issue includes referring me to a tax professional, in which case, the professional advised Wells Fargo would need to correct the form or simply reissue payment.

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 2019-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TCF NATIONAL BANK (IL)

Complaint:
I am appauled the the lack of customer service given me. I have been seeking assistance to correct my account and have my fees waived for more than several months to no avail. A check was cashed with no name as the payee which brought my account negative. I've been trying to work with the bank to find out how this has occurred but to no avail. Yet, I have been taxed and hit with overdraft and bank statement fees. I would not have an overdraft fee the check with NO Name/payee wasn't paid and furthermore I was informed that I would not be charge the fee for bank statements. No one seems to want to help me. 
Moreover, I was informed the bank would close my account and then send my balance owed to a collection company. This is shocking and fraudulent. 

Please have someone call me to assist ins working out this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation