hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

Complaint:
To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through true accord. True accord is a third-party collection agency that represented Affirm. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (NY)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
On XX/XX/2019 I pre-authorized check # XXXX in the amount of {$300.00} from my Bluebird account, payable to my landlady. She deposited the check on XX/XX/2019. I received notification via email as follows ; Your Bluebird check was paid on XX/XX/2019. The check details are listed below. 
Pre-authorization Date : XX/XX/2019 Expiration Date : XX/XX/2019 Check Number : XXXX Check Amount : XXXX. 
Followed by another notification via email as follows ; We are writing to let you know that we were unable to honor Bluebird Check XXXX for {$300.00}. 
I called Bluebird customer service to clarify this as my check for {$300.00} was duly pre- authorized and funds taken from my account and was told, in essence, that this was a " system glitch '' they were working to correct and the funds would be returned to my landlady 's account. Her bank had " bounced '' the check by XX/XX/2019 and charged her a {$12.00} fee. The amount of {$300.00} was subsequently returned to my Bluebird account instead of to my landlady 's. I had to retrieve the {$300.00} plus {$12.00} fee cash from my account as she would no longer take a Bluebird check. In addition to the inconvenience and embarrassment of my rent check bounce I had to reimburse {$12.00}. All because of a " system glitch '' by Bluebird. I need them to at least, reimburse me that {$12.00} fee charged by my landlady

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Complaint:
Equifax, XXXX  and XXXX  have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

Complaint:
Male called me from ( XXXX ) XXXX and took approx 10 seconds to respond to me saying " hello. '' He said he was calling from " Navient. '' I asked if he auto dialed my cell phone and he said " yes. '' I advised him he did not have permission to auto dial my cell phone. He then acknowledged he was looking for XXXX XXXX about his student loans. I advised him he hadn't authenticated me and just gave out personal information. 
I then asked if he was in XXXX XXXX as his caller id indicated and he stated he was not. I accused him of violating the FDCPA and eventually he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

Complaint:
I have sent several disputes to each of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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. (MA)

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, transunion, XXXX written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-10-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (NC)

Complaint:
I have written Santander Consumer USA and I have asked them to first validate a debt they are alleging I owe. Also I have noticed that they are trying to collect a debt in the state of North Carolina without the proper permits. I have contacted them on three occasions and they have not validated the debt. Also they say permit # XXXX Is valid in North Carolina but as you can see with attached they are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
I can not believe that Equifax decreased my credit score wrongfully AGAIN despite the fact that I had disputed ( Confirmation number : XXXX, Dispute date : XX/XX/2021 ) months ago for the very exact reason ( Decreasing of my credit score significantly upon a wrongfully late payment remark in our XXXX XXXX ( Auto ) account ). Equifax corrected my credit score after I had provided a letter from XXXX XXXX ( Auto ) showing that I had no delinquency and paid each of my payments on time and in full. Again, this was months ago. 

Today, I found out that Equifax decreased my credit score AGAIN for the very same reason. 

I am attaching a letter -AGAIN- from the aforementioned company in order to be added to my dispute file. 

Please correct this item in my credit report and correct and restore my credit score. 

Thank you for your time. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (VA)

Complaint:
I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. 

I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. 

I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my 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 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (KS)

Complaint:
Cavalry Portfolio is reporting a 30 day late payment on a disputed collection account, that was taken to court, dismissed for lack of prosecution, disputed several times as identity theft, and yet they still insist I owe them a charge off from XXXX XXXX  that they bought XX/XX/2015. This was removed from my XXXX  after dispute. **They are trying to report 30 day late payments as if it were a new debt, which is illegal. ** I have repeatedly told them that this account has fraudulent charges opened by my step-daughter. I have no idea where she can be located at this time. 


CAVALRY PORTFOLIO SERV Original creditor : XXXX XXXX  {$2500.00} 0 % paid off Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$2500.00} {$2500.00} Payment Info Original loan amount {$2500.00} Balance {$2500.00} Updated on XX/XX/2015 XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (GA)

Complaint:
Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a medical bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Date of incident XX/XX/2023 Kohl 's recently partnered with Capital One to handle credit card payments for them. Until today I would have had an option to use my Kohl 's card or the Kohl 's VISA card with Capital One when I logged in. Today the only option I had was the Kohl 's VISA card. 

When I tried to use the Kohls VISA while shopping online, it said I had to connect the card. In order to connect my card I had to enter the account expiration date and security code. I didn't have this information because I never received a physical card ( plastic card ) from Capital One. I called Kohl 's and was told I had to contact Capital One I went to the Capital One website and saw a red box that said Kohl 's VISA in big letters with a drop down box to " get your virtual card ''. I clicked on this box and wrote down the account number ( ending in XXXX ), expiration date and security code. I tried to use this to process my purchase on the Kohl 's website. I kept getting error messages that I did not enter the correct expiration date or security code. 

I called Capital One and explained the above to them. The representative told me that the virtual card was my Capital One card ending in XXXX. My Kohl 's VISA card had an account number that ended in XXXX. I repeatedly told her I want to know the full account number, expiration date and security code for my Kohl 's card. I could not connect the Kohl 's card without this information. She refused and kept telling me I could just use my new Capital One card ending in XXXX. I adamantly refused to use their card and demanded to speak to a supervisor. She told me my Kohl 's account ended in XXXX and the expiration date was XX/XX/2023. I demanded to speak to a supervisor. 

When I spoke to the supervisor, she would not give me the full account number, would not give me the security code, would not provide a plastic card and would not provide a virtual card. When I threated to report the credit card company she connect the Kohl 's VISA to my Kohl 's account so I could use it to make a purchase. This process took more than one hour. 

I don't know if I'll be able to use my card on future purchases. Most purchases I make online with a saved credit card still ask for the security code. If that's the case, I won't be able to make a purchase using my Kohl 's VISA without going through drama on the phone with Capital One. 

If I hadn't threatened to report them form credit card fraud, my Kohl 's VISA would not have been connected. It appears to me that Capital One is trying to force Kohl 's customers to use their credit card instead of the Kohl 's VISA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (NJ)

Complaint:
Since XXXX, 2019, I have been asking this company for information verifying this debt, but all I keep receiving is a billing statement with phone numbers that I do not own. There are no verifying documentation given. The credit bureaus keep stating that the account has been verified, but I'm confused because I've gotten nothing from the creditor to verify this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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. (IL)

Complaint:
My XXXX XXXX XXXX XXXX XXXX  was removed from my credit report. XXXX  told me it was because the lender ( XXXX XXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help 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 explanation
Consumer complaint received 2022-10-25
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. (PA)

Complaint:
My name 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