hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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: Garrison Investment Group (PA)

Complaint:
Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : Transunion : XX/XX/XXXX XXXX  not listed XXXX  XX/XX/XXXX Payment status not consistent : Transunion : Current XXXX  ate 120 days XXXX  Current. 
Metro 2 which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

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 2022-07-16
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. (VA)

Complaint:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. This is willful disregard of the FCRA.

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

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 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 response to consumer: In progress
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Complaint:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS!

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 118 ) days and no response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (SC)

Complaint:
I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.

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 2019-09-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Complaint:
I disputed Equifaxs reporting of my student loan balance and payment status on XX/XX/2019. On XX/XX/2019, I received a {$17000.00} XXXX XXXX XXXX XXXX payment bringing my student loan balance down from {$43000.00} to {$26000.00}. My loan was put into repayment status on that date too. 

It took Equifax 27 days to respond to my XX/XX/2019 dispute. In the meantime, my student loan servicer began reporting my loan balance and payment status correctly to all 3 credit reporting bureaus on XX/XX/2019. My Equifax credit score rose 16 points on that date. 

On XX/XX/2019, Equifax claimed that they verified the loan balance and payment status with my servicer ( XXXX XXXX ) however they obviously DID NOT as on XX/XX/2019, Equifax added the {$17000.00} back to my loan balance and put my repayment status back to in deferment. As a result of this error, my Equifax credit score has now dropped 16 points. The other 2 credit reporting agencies di NOT do this, only Equifax! 

In addition, I made a {$100.00} EARLY payment on the loan which was applied to my account on XX/XX/2019, by my loan servicer, four days before Equifax falsely reported the information on my credit report. 

Equifax did not verify the balance, payment status, or recent payment with my loan servicer ( XXXX XXXX ) as they claimed that they did. I have attached the most recent account information and payment history directly from my student loan servicer proving that Equifax is falsely reporting my student loan account information and is unlawfully harming my credit reputation, my creditworthiness, and my credit score. 

I am in the midst of applying for a car loan. I need a reliable car to get back and forth to work. I should not have to wait another 30 days for Equifax to correct their unlawful mistake so that I can qualify for a lower interest rate on a car loan. 

Had Equifax truthfully verified the data with my loan servicer, they would not have reported the old, outdated information. They should have verified that my student loan servicer had already fixed the incorrect data and it was being reported correctly on XX/XX/2019. Instead, they have unlawfully harmed my credit score! How many other consumers are suffering because of their false reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.

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 2019-01-15
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. (MI)

Complaint:
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation (OR)

Complaint:
I dispute transactions on my account for the amount {$1100.00}. I was XXXX at the time so I couldn't have authorize the transaction and my funds still hasn't been returned to my account. The bank trying to tell me I authorize the transaction.

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 2019-03-02
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: Innovis (OH)

Complaint:
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (NJ)

Complaint:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts

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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.

Company response to consumer: In progress
Consumer complaint received 2020-05-06
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. (WI)

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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. (IN)

Complaint:
Experian, XXXX, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635

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 2021-08-11
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. (FL)

Complaint:
I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid 19 I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. 
I need help because they are ruining my credit history with this wrong reporting of my payment history. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Complaint:
incorrect information, incorrect social security number and then when tried to fix or communicate my social security was added without my consent. tried to resolve it then when resolved it was resold and placed back on my credit. fraud. Wrong cellphone number, wrong legal name, wrong employer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2017-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AR)

Complaint:
IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.

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 2023-03-31
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
The following companies are reporting information from accounts i didnt open. 

XXXXXXXX XXXX XXXX XXXXXXXX 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