hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-11
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -UNIV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX K XX/XX/XXXX -XXXX XX/XX/XXXX x -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX -XXXX  XXXX -XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MO)

Complaint:
Midland Collection calls my cell phone everyday at least 4 times a day. Some have even called my job trying to reach me. I have asked them to stop but they just call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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. (NC)

Complaint:
I sent letters to EXPERIAN, XXXX, AND XXXX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX have 30 days to respond to my dispute this is a VIOLATION of my rights

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 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Complaint:
In reference to account # XXXX, Citizens One Auto Finance is utilizing illegal late fee policies. 
My payment is due on the 3rd of the month with a 10 day grace period. 
I have always paid my car note before the XX/XX/XXXX of every month. 
The first time they accessed the late fee, I asked them to remove it because I paid on the XX/XX/XXXX. 
The rep stated that I paid on a Saturday, and they don't count the weekend as a payment date. 
I asked the rep, where does it state that on their website. 
She couldn't advise me because it's not stated on their website. 
If their policy states that weekend payments only count for the next business day, PLEASE PUT THAT ON YOUR WEBSITE. 
After I complained, they removed the late fee. 
This second late fee that they won't remove occurred after I paid my bill on the XX/XX/XXXX of the month in XX/XX/2018. 
They did not debit the money out of my account until 5 days later. 
I don't care when they took the money out of my account, I paid the bill on the XX/XX/XXXX. 
Instead of them reviewing my account to see if a payment is pending, they immediately access a late fee. 
These are unethical practices that they're using to access late fees on their customers ' account. 
If my account is reviewed, there will be NO payments made after the XX/XX/XXXX, so I've never been late. 
I mailed them a letter two weeks ago asking for them to remove the late fee. They refuse to remove it despite me paying my bill on the XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (FL)

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 explanation
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

Complaint:
On XX/XX/22, I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA. The agreed upon price including my trade in was a XXXX mo. lease with zero drive off at {$450.00} per month INCLUDING Tax at a rate of 9.5 %. Upon review of the lease contract the following day, I noticed an error in the amount of tax charged and notified the dealer of the error. They told me not to worry that the contract was correct. When I received my statement from Chrysler Capital indicating a monthly payment of {$450.00}, I explained that the dealer had made an error in calculating the tax and that the payment was now more than I agreed upon as well as an amount different than my lease contract indicates. Chrysler Capital explained that they must collect the correct amount of sales tax and can not go back to the dealer to remedy the shortage from their proceeds to arrive at the agreed upon payment of {$450.00} per month including tax. 
I feel this is a breach of contract by the dealer to clearly indicate an incorrect amount of tax to show a total payment of {$450.00} to get me to sign knowing that Chrysler Capital will catch the error and charge the consumer the difference without demanding that the dealer correct the contract with the customer. Both the dealer and Chrysler Capital are unwilling to remedy the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. 

I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. 

In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Complaint:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the   XXXX   XXXX   that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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. (NV)

Complaint:
I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Complaint:
Hacked account XXXX and direct deposapplication. App. applicatin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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. (AZ)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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. (OH)

Complaint:
I previously submitted a dispute in XX/XX/2020 with regard to the following Personal Information. I am again requesting that you promptly delete and update addresses that I never resided and may possibly be relatives ' address. 
My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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. (GA)

Complaint:
Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Complaint:
I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX. 

I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
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. (PA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUDIT SYSTEMS,INC (CA)

Complaint:
I have recently received a phone call from Audit systems at XXXX and they are saying that I have a outstanding debt from a company and they wont provide any information about the debt, they have some information but keeps asking me about more information about my personal life information that should never been asked. The debt was never verified by the reporting company as written off, and could not even provide statements of so called documents of charges that rendered service that was not covered by insurance. The debt collection agency would not issue any verification of the charges that she was trying to collect and repeatedly request and gave a 2 day call back retraction schedule for a sunday since the call was taken Friday. And I was told to call back if any ideas or suggestions about this debt and the call is outgoing only. So it sounds very much fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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:
There are accounts, an address, and inquiries that are listed on my credit reports that do not belong to me, nor do I have any knowledge of them. Please remove them in its entirety from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC (PA)

Complaint:
On XX/XX/2018, I received a bill from XXXX XXXX ( Hospital of the University of XXXX ) for {$1100.00} for routine maternity laboratory tests, which should have been covered by my insurance provider, XXXX. 

I appealed this bill with XXXX and informed XXXX XXXX that I was appealing this bill with my insurance provider since it should have been covered under routine maternity care ( XXXX was provided a letter attesting to this by my XXXX doctor ). Even though I informed XXXX internal collections department that the charges were under an appeal process and provided them with a reference number for the appeal, XXXX XXXX sent the bill to collections. 

So I informed the collection company ( Arcadia Recovery Bureau ) in writing that the bill was under an appeal process within 30 days of receiving the bill from them. Arcadia responded stating that I should make the personal payment in full and request my insurance carrier to reimburse me directly. Again, this is a predatory business practice. A separate complaint has been filed against Arcadia Recovery. 

My insurance company XXXX responded to my appeal ( case ID XXXX ; Claim ID # XXXX ) and ultimately determined that I do not have to pay the bill since it was considered part of payment for other services. Despite this, I am being coerced to pay the bill by XXXX XXXX and Arcadia Recovery Bureau.

Company response to consumer: Closed with explanation