hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Complaint:
My card was stolen and i reported it to the bank right away. 

they refused to investigate and denied my claim even though i reported my card being stolen immediately they still let the fraudlaunt charges go through and are telling me i have to pay them MY CARD WAS USED IN ANOTHER COUNTRY

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 2021-04-20
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. (FL)

Complaint:
Good afternoon, I reached out to XXXX, XXXX  and equifax regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TX)

Complaint:
Cedars Business Services , LLC has sent me multiple harassing text messages regarding a debt purportedly owed to the city of XXXX. I have never traveled to XXXX or purchased anything from the city. They have texted from numerous phone numbers, which I have repeatedly blocked. In many of these messages, they illegally fail to identify themselves as debt collectors. I think some of the communications may have been sent outside the hours prescribed in the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (GA)

Complaint:
I have sent EXPERIAN a certified letter to try to get this matter resolved under tracking # XXXX. The letter has been received. 

There are 4 accounts being furnished under my consumer report which are : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 usc 1681- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I XXXX XXXX, the consumer have never given EXPERIAN any written consent to report/furnish anything on my consumer report. No consent is Identity theft. 

This is a direct violation by your company.

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 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (VA)

Complaint:
Sent pay off check they cashed the denies receiving it I sent a copy of proof they cashed the check and they are still play games with my money and maintain their denier they never cash the check, or give me credit and send my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: MicroBilt / PRBC (formerly CL Verify) (MS)

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX MICROBILT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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. (OH)

Complaint:
I have sent several letters to Experian, XXXX and XXXX, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. 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 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
In XXXX, I requested and was granted forbearance on my mortgage loan with XXXX XXXX. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan.

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance.

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.

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 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Complaint:
Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks

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 2023-07-26
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: Total Card, Inc. (CA)

Complaint:
This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : Total Card XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want Total ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation Total, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: CBC Companies, Inc. (IL)

Complaint:
I have a big issue with the credit reporting agency mainly check systems as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies check system mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX XXXX  report and which is internal repairs on my credit they're using XXXXXXXX XXXX which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would lse baby we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northtown Capital Services Group LLC (TX)

Complaint:
On XX/XX/XXXX I received a phone call from a debt collector who Identified herself but not her company via voicemail. I returned the phone call and after stating I was the party that they were looking for the female who answered proceeded to tell me this was about a debt and asked why I stopped paying the debt. She did not identify who she was with or the name of the company that originally owned the debt until I asked about it. While this was not a violation of FDCPA, she did fail to give notice that is is an attempt to collect a debt and any information obtained will be used for that purpose. 

The primary reason for the complain is a violation of FDCPA section 809 subsection a ) notice of debt ; contents. 
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- " It has been 8 days since the initial communication and the collector has not sent notification. This is a clear violation of the FDCPA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
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. (SC)

Complaint:
This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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. (NJ)

Complaint:
Hello, I reviewed my Equifiax credit report and noticed that one of my 'associated addresses ' is invalid. I have 3 addresses associated with my Equifax credit report : 2 are in New Jersey and 1 is in Texas ( zip code = XXXX ). 

I have only lived in New Jersey and I have never lived or held an address out of New Jersey. I contacted Equifax to remove the associated address for Texas ( zip code = XXXX ). Equifax has not yet responded to my inquiry. However, I am also making this complaint here. 

Let me know if you have any questions in order to proceed or verify my account/personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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. (IL)

Complaint:
I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know 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 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MO)

Complaint:
Good evening, On XX/XX/XXXX, I called the Apple Card-Goldman Sachs - Credit card company to report unauthorized transactions on XX/XX/XXXX. Somebody used my card or my information without my permission. The amount was {$600.00} from Apple Services ( merchant ). The agents refused to help me and keep transferred me to Apple support ( Merchant ). On the 4th call, I already told them that I was not calling Goldman Sachs to be transferred to Apple-customer service ( Merchant ). They keep asking me again that did I tried to work out with Apple ( Merchant )? I told them yes and the reason I called Goldman Sachs is to investigate the unauthorized transactions on my credit card account. It was not me make those purchases. She keep me on hold, she said that she need to talk with Apple customer service ( Merchant ). After 40 minutes, she disconnected. I am very unhappy with the result, Goldman Sachs never call me back regarding about the case at all. Goldman Sachs which is my credit card issuer should be on my side when there is a problem about my card. They did not take any step forward to protect their customer like me against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CA)

Complaint:
THIS COMPANY IS WELL KNOW FOR SCAMMING PEOPLE. THEY ARE REQUESTING {$3700.00} FOR XXXX  XXXX XXXX. I HAVEN'T BEEN INVOLVED WITH XXXX FOR MORE THAN 20 YEARS AND NEVER EVER HAD BAD DEBT WITH THEM. DYNAMIC RECOVERY SOLUTIONS IS A HORRIBLE SCAMMER, PULL THEIR INFORMATION FROM XXXX XXXX XXXX, AT LEAST TRY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
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. (GA)

Complaint:
Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also...

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
i am a victim of identity theft i want all the fraudulant accounts removed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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. (GA)

Complaint:
This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on 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