hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
ATT OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED  XXXX   XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUSIN ESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO   XXXX   ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX    O riginal Creditor   XXXX   XXXX     XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}

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 explanation
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Complaint:
I received a notice from Wakefield & Associates in regards to an account with XXXX XXXX XXXX. First, I have never heard of XXXX XXXX, nor do I know what this is in regards to. This letter ( also included with this complaint as Document 1 ) does not state what product or services were given ; only information is a date and amount. At this point I can not properly dispute what this is in regards to or ask the right questions to determine how this should be disputed. I would also like to point out that there is an interest owed section in this letter. Why would I want to pay interest on an account that I was never notified existed, and has taken over 25 months for someone to contact me about it. 
There are a few basic questions I can ask at this time ; but depending on the answers, further escalation with the CFPB may be required.

1. What products or services were given on the service dates mentioned?

2. If these were medical services, was financial aid available if requested?

3. What method of contact was used to notify about this account? Written letters ( statement and mailing dates needed )? Phone calls ( date/time needed, what number was called, was voice message left )? Was email sent ( what email address was it sent to, what domain did it originate from )?

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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
These late payments are not accurate.

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 2022-07-29
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. (MD)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXX  Auto Account Number : XXXX XXXX XXXX XXXX 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, 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 2021-07-29
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:
The following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.

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 2021-10-28
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. (MD)

Complaint:
I recently reviewed my consumer report and have notice some accounts I am not familiar with. I have followed all proper procedures to have these items removed from my consumer report. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
In XX/XX/2016 I had several different accounts with Bank of America that were closed. When this happened Bank of America decided to report some of these accounts to XXXX XXXX XXXX. The problem is that some of the accounts being reported on XXXX XXXX XXXX does not belong to me. Bank of America has sent me correspondence that shows how many accounts I had with them and what those account numbers are, in total it was four accounts. I then ordered and received my XXXX XXXX XXXX Report and it had conflicting information on it that did not match the correspondence sent to me by Bank of America. According to the report, there are two account numbers being reported for me that are not present in the information sent to me by Bank of America. Therefore, I am asking for Bank of America to instruct XXXX XXXX XXXX to remove those two accounts off of my 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 monetary relief
Consumer complaint received 2020-03-05
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
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:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
They caused emotional and financial strain by holding my money 5days1 then saying they were gon na hold it 5more posting a positive available balance then taking it putting me negative XXXX closing my account and not giving me my money while I'm at the bank telling me I can check if my funds are there and if the bank will let me come get them No they closed my account withholding {$830.00} either expidite the _XXXX or release the {$1400.00} immediately I'm XXXX  XXXX and the dress they have put on me is enormous

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 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.

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 2022-12-06
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. (LA)

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Complaint:
Chase Auto is reporting me late on XX/XX/XXXX and that is inaccurate. I recently checked my credit file and noticed this late reporting on my credit. I was really confused because I had talked to them because I needed to trade in my car. The girl I spoke to about the manner let me know that the payment for the month of XXXX did not need to be paid. She explained that it would be transferred to the new loan and that's when I would make my payment. I did as she told me to and made my first payment on the new loan in XXXX thinking that covered XXXX payment as I was told. Well, I look on my credit and noticed that they were reporting a XXXX late?!? Had I known that would've happened I would have just paid the account but I was specifically advised not to and I got reprimanded for doing something your employee advised? This is not my fault and this must be fixed. Also, under the federal mandate and CARE act you are not allowed to file negative notations on credit during this pandemic.Please remove the late from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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. (TX)

Complaint:
Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all 3 credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate 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 explanation
Consumer complaint received 2020-07-21
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IL)

Complaint:
3 years ago this company kept calling.. looking for a XXXX XXXX XXXX I told them they had the wrong number. 
In the last 30 days they call a minimum of 3 times per day. 
My VOICEMAIL clearly states my name ( its not remotely close to XXXX XXXX XXXX. I have recorded their communications and call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

XXXX XXXX  should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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: OPORTUN FINANCIAL CORPORATION (IL)

Complaint:
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.

In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

Complaint:
I took out these loans with Navient in XXXX and XXXX. One was for XXXX and the other was for XXXX. I currently owe over XXXX on both of those loans combined. I had been making payments consistently since XXXX at least on an income based rate reduction program. Before that the account was being put into forbearance and I was paying {$100.00} per month. I was not given the option before XXXX to do a rate reduction program. I was instead steered into a forbearance and now the interest that has been applied to my loans has made it impossible to even think about paying these off. I am confused about how loans totaling XXXX have turned into over XXXX and I have been making consistent payments since 2015. I realized that I was affected the same way the students that started that class action case were. I have not made a payment on the account since XXXX and the account has now been charged off. They are calling saying they can garnish my wages if I dont pay. I have received wrong information from their representatives this entire time I have been dealing with Navient. Now a loan that was supposed to be paid off in 20-25 years will take 50 years to pay off because of their bad practices and false information provide to me. The loan has now defaulted and they want me to pay the full {$77000.00} which I do not have at this time. Even though I have requested a cease and desist they have still been contacting me and my grandma about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

Complaint:
I now have a collection on my XXXX Credit report listed under Radius Global Solution.

This is NOT MY Account or a debt that I ever owed. I have contacted XXXX to file a dispute, but have not heard back from them. I was a victim of identity theft several years back and I believe this another debt collector attempting to collect for a debt that was never mine to begin with. 
No one from that collection agency has contacted me at all. It has all of a sudden shown up 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 explanation
Consumer complaint received 2022-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Complaint:
There was a problem with the model of the car and after replacing XXXX XXXX XXXX XXXX wouldnt work with me, capital one wouldnt work with me and my car got repossessed because i couldnt put a XXXX XXXX in a car that was only XXXX XXXX XXXX. There has been a class action law suit agains the company and recalls on certain models of the car

Company response to consumer: Closed with explanation