hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-12-11
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. (CA)

Complaint:
I am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.

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 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Complaint:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (FL)

Complaint:
My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt. 

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 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

Complaint:
I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.

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 2023-08-18
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. (TX)

Complaint:
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint:
This company continues to report inaccurate information on my credit report and I have contacted them several times to remove the inconsistencies. Please review uploaded documentation a response from the creditor and remove 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 2023-02-01
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. (NJ)

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2022-07-12
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.

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 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Complaint:
I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX XXXX XXXXXXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information 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 non-monetary relief
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Complaint:
XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.

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 2021-02-01
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: EQUIFAX, INC. (PA)

Complaint:
After carefully reviewing my credit report, I have noticed inquiries that I never authorized or applied for. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Complaint:
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on Experian and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently

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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Complaint:
I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX XXXX informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact XXXX the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against XXXX, XXXX, and Experian in regards to my complaints outlined in this complaint.

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 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Complaint:
On XX/XX/2022 THE HUNTINGTON NATIONAL BANK, received a Right of Rescission letter stating Congressional findings in regards to Title 15 U.S. Code 1635 Right of rescission as to certain transactions. THE HUNTINGTON NATIONAL BANK then replied, stating '' that the request to rescind the loan referenced above can not be honored '', we received this letter on XX/XX/2022. To be clear, we are stating that this account be rescinded, we are not requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Complaint:
I am disputing a charge of {$320.00} from XXXX XXXX for the following reasons : -The item in question is not accurately reported -Bank did not notify of the accounts charge-off -requesting verified proof of the amount owed -requesting permanent deletion I disputed a charge for {$320.00} from XXXX XXXX  dating back to XX/XX/XXXX which appears on my ChexSystems Report. This account had payroll checks deposited from my then employer, XXXX XXXX XXXX XXXX returned. Checks were held for a period of 10 days due to company 's financial issues causing " XXXX '' a Pay Day Loan Lender to repeatedly attempt to collect funds from the account as payroll funds were held or even returned. The account overdrew to {$140.00}. I requested the bank not allow the PayDay loan company access to the account to allow me to pay them seperately as I learned my Consumer Rights regarding illegal PayDay Loans ( N.Y. Banking Law 340, N.Y. Banking Law 373 and N.Y. Penal Code 190.40 ). I was never notified of continued attempts to draw from the account once the balance owed was paid in XX/XX/XXXX. I am currently trying to open a Business Checking as is required by XXXX XXXX and XXXX XXXX Certification process and can not complete the process because of an inability to have XXXX XXXX  clear this from Chex. I called XXXX XXXX and was transferred to XXXX XXXX collection line at XXXX. The teller : -could not verify an attempt to make me aware of the accounts status -could not verify the amount owed -could not verify to whom the account was charged-off -will not accept payment due to age of the account I contacted the past employer to verify if any other final payroll checks had been reversed. The employer could not verify and offered to resolve the situation with XXXX XXXX for any *verified* amount resulting from a returned or outstanding payroll check. The Agency ( XXXX XXXX ) can be contacted at : XXXX XXXX XXXX or XXXX XXXX. When a request was made for where to direct payment, XXXX XXXX claimed that it " is not collecting on the account due to its age and can not apply payment. '' Documents supplied demonstrate that XXXX XXXX ( Past Employer ) " furloughed its remaining four employees ... .was in the midst of a financial crisis in early XX/XX/XXXX ... hired an outside auditor after depleting its line of credit and failing to pay bills. '' Requesting permanent deletion from Chex Systems. Without deletion, this report on Chex prevents me from certifying my business with New York State. An inability to complete my XXXX XXXX keeps me from collecting on current contracts which require a XXXX XXXX XXXX certification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Complaint:
I am sending the letter XXXX sent in response to a request for proof of debt. I received a letter of explanation but NO PROOF OF DEBT. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the claim is disputed and validation is requested. 

If Macy is unable to provide the proper documentation as requested, all collection activity must cease and desist and all negative reporting must be deleted.

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 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Complaint:
I signed up for advertising account through XXXX with an representative and I was told by the representative that there would be a flat fee rate and I would not go over my budget. I have a confirmation of services. After signing up, XXXX started billing out of budget. I didn't catch the initial charges but notice that my account was negative. I contacted my representative but did not get any response, so I contacted the company ( XXXX ). I was told to submit a refund request. I did but nothing happened and I continued to get charged. I was told that I had to manually cancel from the website but it was not easy and had to be walked through from another representative. This process was long. I contacted my bank and told them what was going on however I was told nothing else was needed and they would contact me if so. I waited an email but Wells Fargo sent a letter to my mailing address instead of contacting me by email as I contacted them. I didn't get the correspondence within time so my claim was denied. I have the initial contract between XXXX and do not see how a company can charge whatever they feel and my bank that should help me, left me paying a fee that was never agreed. I am a small business owner and can not survive with companies taking advantage. I really thought my bank would help but was never given an opportunity. This charge has caused my account to be affected negatively in not acquiring help from other due to the incidents. This was a huge hit to my company financially.

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 2021-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

Complaint:
I've disputed this account every way I know how, and Jefferson Capital has never sent me anything! I have no idea who they are or why they are reporting to the credit bureaus! I have written them several letters demanding that they declare who they are and why they are reporting information about me, and they have not complied! This is a violation of the FCRA! Please help me!

Company response to consumer: Closed with explanation