hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management (CA)

Complaint:
there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Complaint:
Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
in accordance with the fair credit reporting act XXXX, Equifax, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX equifax : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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. (GA)

Complaint:
I have repeatedly sent letters to this company stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.

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 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NM)

Complaint:
Due to the ongoing problem with Wells Fargo they continue to reverse the credits. Cause me overdraft fees and Im on a fixed income. They just caused me to not make a car payment because the took XXXX and change from my account. Now I have been in the red since. No one listens and I get the phone hung up on me every time. This company abuses the rights of XXXX but yet they never seem to pay for what they do wrong. If I did this to someone I would be in jail.

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 2020-10-30
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. (NJ)

Complaint:
I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Complaint:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Name -XXXX XXXX Account Number - XXXX Account Name - XXXXXXXX XXXX  Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXXXXXX XXXX  Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 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 response to consumer: In progress
Consumer complaint received 2023-08-02
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. (DE)

Complaint:
My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at XXXX XXXX ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, Equifax, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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. (NY)

Complaint:
I notified all three bureaus that 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 2022-02-24
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: CAINE & WEINER COMPANY, INC. (GA)

Complaint:
I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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. (MO)

Complaint:
Incorrect information on 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 non-monetary relief
Consumer complaint received 2023-04-14
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. (FL)

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 : XXXX, XXXX XXXX : XXXX, XXXX XXXX & XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 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 non-monetary relief
Consumer complaint received 2022-11-12
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. (CA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$28000.00}

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 non-monetary relief
Consumer complaint received 2018-01-18
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: EQUIFAX, INC. (NJ)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

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 2021-06-17
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. (MD)

Complaint:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Complaint:
Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, 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 explanation
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Complaint:
LVNV FUNDING IS TRYING TO COLLECT ON THIS DEBT BUT THEY ARE NOT LICENSED TO COLLECT IN MASSACHUSETTS, I NEED THEM TO STOP THIS, IT SEEMS LIKE THEY HIRED A DIFFERENT COMPANY TO COLLECT ON A DEBT THAT IS NOT MINE.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (CO)

Complaint:
I received a loan on my car I paid months in advance. Ive asked for extended temporary tags, as the car is still sitting because I never received my license plate or anything to register the car. I had the vehicle for 5 months never received anything for my vehicle to be registered. I gave the dealership and the bank my updated insurance and drivers license. A few days later I received XXXX letters from the back saying I have late payments on the vehicle all dates the same date and received on the same day with a rubber band around all the letters. I never received the money that was sent back to the dealership nor did I receive my car title.

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 2022-06-10
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: Experian Information Solutions Inc. (TN)

Complaint:
In accordance with the Fair Credit Reporting act Bankruptcy XXXX # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 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 explanation
Consumer complaint received 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-11-13
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: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

Complaint:
First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

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 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
On XXXX I deposited a check for {$390.00}. Initially Chase said the my funds wouldnt be deposited on the XXXX and then changed it to XXXX. After speaking with customer service, they were able to contact the issuing bank and verify the check. However the two representatives I spoke with both claimed that they could not verify the check makers number in their private system and still refuse to give me access to my funds or cancel the deposit so that I can cash my check elsewhere. They also refuse to call the company that issued the check in the first place because none of the numbers can be verified in their system. One rep told me that the verified number is the one that the company uses to register their business with the state. However, even after I looked up that number, they continue to tell me its not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
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: EQUIFAX, INC. (IA)

Complaint:
I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It

Company response to consumer: Closed with explanation