hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-20
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-20
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: TD BANK US HOLDING COMPANY (CA)

Complaint:
XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

Complaint:
Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands.

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 2022-12-28
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: Mr. Cooper Group Inc. (CA)

Complaint:
I have loan with NATIONSTAR MORTGAGE. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc. (TX)

Complaint:
On XX/XX/XXXX my cell phone was stolen. I was using Revolut as my banking servicer. There were charges that were made on the device before it was wiped after reporting it stolen. I attempted to dispute these transactions as fraud to Revolut. The " security team '' at revolut confirmed access to my accounts from another device and stated it was compromised. However before the security team even finished securing my accounts the " chargeback team '' had already claimed to resolve the dispute stating no fraud activity. Completely against the information that was provided to me by the security team. I requested that the case be properly investigated and Revolut informed me multiple times that the chargback was rejected by them and they would not investigate. After multiple times attempting to get them to review the information and screen shots of the conversations with their own security team. They still refused and stated they will not do anything one a resolution was made final. The timing of the quick response and rejection of the dispute as well as the results of the dispute being provided WHILE my account was locked down by the security team who had me reset my passwords and made sure to secure my account, shows that Revolut ignored the regulations to fully investigate the reported dispute in good faith. They refused to re open the dispute and use the information provided to them by their own security team, and based on the evidence provided a result knowingly and willfully when such a conclusion could not have reasonably have been drawn. I spoke with another representative regarding a request to receive all of the dispute documentation including the investigation notes from the security team showing unauthorized activity on my account. The representative informed me that they only provide the results to the dispute and that when a dispute is final there is no way for them to make any changes. I also requested clarification as to why the dispute team did not use the information about my account compromise. I was not provided any avenue to get clarification. This again is against the banking regulations requiring documentation at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NC)

Complaint:
I was recently in an accident with possibly totaled Car on XX/XX/XXXX. 
I called XXXX to report the claim but they told me that I didnt have collision insurance. 

XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle. 

It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments. 

Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me. 

They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments. 

We are at the point now where I have a near totaled vehicle that is potentially not covered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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. (NC)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (IL)

Complaint:
I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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. (MI)

Complaint:
Upon review of my Experian and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is 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 2021-07-14
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: AMERICAN HONDA FINANCE CORP (NY)

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$6400.00} ; XXXX  XX/XX/2023.

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 2017-11-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
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. (NC)

Complaint:
I HAVE FILED MULTIPLE DISPUTES WITH XXXX   THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT XXXX MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT THE STATES EMPLOYEES CREDIT UNION ACCOUNT, THE XXXX FINANCIAL ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS NC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc. (FL)

Complaint:
After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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. (NJ)

Complaint:
Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX XXXXXXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX Reported : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!

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 2020-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
This account is currently Closed in the Credit Bureau file, but was recently sold to Portfolio Recovery. Account was opened about 3 years. I Notified creditor on this account, they are a rip off, said I owe more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: In progress
Consumer complaint received 2018-11-01
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: Experian Information Solutions Inc. (CA)

Complaint:
I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX   30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.

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 2023-01-21
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. (TX)

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022

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 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST HORIZON BANK (GA)

Complaint:
I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation