hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-28
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. (NV)

Complaint:
NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Complaint:
I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (GA)

Complaint:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (CA)

Complaint:
The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (FL)

Complaint:
Fraud has been reported on my account and Experian will not take off the accounts even when i gave FCT and Police reports

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 2018-12-06
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:
inaccurate information showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

Complaint:
Midland Credit Management is reporting inaccurate, false, and misleading information on a collection account on my XXXX  credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt.

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
Ongoing with American Express Gold Card, for almost two years, I have had a problem getting them to stop charging for certain payments for ongoing services which I had cancelled with various companies ( Primarily XXXX, but also other accounts ) by contacting AmEx and asking to have these amounts not taken out from my card. At least two times I got rude responses in regard to my responsibility to make these payments and they couldn't stop them from being charged to my card. After three tries and repeated efforts they even gave me a {$200.00} credit ( which I never took since I might have to pay it back if I cancelled my card within the next year ) in order to try to appease me - this time assuring me the charges would not occur. This was sometime in late XXXX early XXXX. Finally, in frustration, after I was again charged by XXXX I cancelled the card which I had for around 15 years. My last bill I received from them in XX/XX/XXXX - I received a credit balance repayment ( which I later received by check ). Despite that a charge kept appearing on my account - note : my now closed account! So, despite asking that charges now be made against my account from certain creditors, and despite closing my account - American Express continued to accept charges and then to bill me! How can that even be legally possible for me to tell them not to allow a particular customer to charge my card that they still do? And, even after the account is closed they still charge - to a closed account - how? And how can I as a customer who gave them notice still be responsible for their error? Well, according to XXXX, who was very friendly/helpful - with the next credit reporting that goes to the Credit Bureaus, AmEx will fix my credit report! He couldn't give any kind of IDentifying info other than " XXXX ''! So now I wait until sometime around the XXXX to see if AmEx fixes this! In the meantime I think this is an important issue the CFPB and AmEx need to look at - I have never been so treated in any business dealing. It seems fundamentally in error! If someone could contact the Legal Department and discuss - surely this cant be correct!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (CA)

Complaint:
I received a credit card from Chime that I had not applied for. It was mailed to my name and address on XX/XX/23.

Company response to consumer: In progress
Consumer complaint received 2023-04-24
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:
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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion :

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 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (WI)

Complaint:
The bank puts a freeze on my XXXX  deposits. The last one I sent was credited to my account on.XXXX  XXXX and they won't release the funds to my account.

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 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

Complaint:
XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she  told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

Complaint:
I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late. 
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time. 

I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges. 

I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form. 

Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto. 

Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them. 

Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help.

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 2020-09-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Complaint:
I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online. 

Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account. 

They are holding me XXXX. 

The amount was for XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

Complaint:
I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXX XXXX  's failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX 's untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.

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 2023-05-10
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. (TX)

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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. (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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation