hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-09-26
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: Experian Information Solutions Inc. (TX)

Complaint:
I have disputed this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is 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 2021-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I'm am sending to correct metro 2 compliance form with errors that is reporting

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 2017-11-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOBEL FINANCIAL CORPORATION (CA)

Complaint:
I purchased a vehicle back in XXXX and it was financed through Lobel Financial. I was in desperate need of a car with my XXXX children. The salesman was so desperate he sold me a lemon. The car broke down on me on the freeway with my children in it. They repossed the car and have since then have been trying to collect the debt. I know there are XXXX laws against this kind of things to protect me and I want to know my rights and how I can fight this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
Over the past two years I've been erroneously hassled and harassed by the company Portfolio Recovery Associates LLC, in what appears to be improper and illegal collection policies. I've requested on numerous accounts that validation be provided in said debts that are owed, with no prevail. This company is inaccurately reporting information on my credit profile, and has failed to provide payment for my submitted invoice due to consumer violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (GA)

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. 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. I have submitted all required documents asked for and they still have not removed this from my account. After I sent in the supporting documents, they closed the dispute and left it on my report. Here I will upload payment history and how it does not match with whats reporting. IT HAS BEEN WELL OVER 30 DAYS. NOW 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 explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Complaint:
This company has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my 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 explanation
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
I wanted to close credit card of Truist bank. Their credit card services sent me the bill of XXXX cents without explanation for what they are charging me. They put XXXX dollars as a previous balance, then XXXX dollars of fee charges and XXXX of interest charge. They wrote that if they will not receive your minimum payment I will have to pay late fee up to XXXX. They never sent me the bills before as my credit card was blocked by them and I could not see it on line banking. I paid them XXXX by check, because I am on low income and they are threatening me with their charges. But I want my money back and explanation about the charges on my account, I hope you will help me, regards, 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 explanation
Consumer complaint received 2021-01-04
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. (NY)

Complaint:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (FL)

Complaint:
XX/XX/XXXX Reference Number XXXX PAYPAL XXXX XXXX CA charge {$42.00} should of been {$33.00}. The invoice and charge from the company XXXX XXXX XXXX email XXXXXXXXXXXX website : XXXX XXXX XXXX  The order I.D . is XXXX paypal XX/XX/XXXX XXXX XXXX Transaction ID : XXXX You sent a payment of {$33.00} USD to XXXX XXXX XXXX ( XXXXXXXXXXXX ) According to email XXXXXXXXXXXX they stated that the difference may be foreign funds. The company 's last question did you pay with foreign funds? They assured me all they received was {$33.00}. I requested PayPal supply a credit of {$8.00}. I am having problems with XXXX in a XXXX center attempting to steal all communications and attach themselves to my finances. I would like to see a credit of {$8.00}. I was told all of my FTC complaints filed were solved and were established as an account with this organization. They are stealing credit card bills and supplying copies. Interrupting bills going to XXXX to another state halting the outgoing mail. Stating they represent XXXX locally. I never authorized anyone to halt my outgoing mail. I made a complaint with XXXX. Arrests have been made concerning mail fraud. I never received any results from FTC. They were placed on a credit card through XXXX. This is that card and I previously made a complaint about fraudulent foreign fund charges. XXXX issued another card. I am missing many credits on my account. This is the new card and apparently, I am having problems again with fraudulent charges locally. I even believe this has to do with identity theft. I was thankful XXXX XXXX disclosed that they believed that someone paid this with foreign funds attached to my credit card. This was placed on line at XXXX XXXX. in the XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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. (FL)

Complaint:
I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: EQUIFAX, INC. (FL)

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Complaint:
Citibank closed my account after it was compromised. It has been over a month and they have kept funds essential to my familys survival. They have not sent anything in the mail or email.

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 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

Complaint:
I have recently submitted a dispute with XXXX, Equifax, and XXXX. I have five closed accounts that where paid off in full but are still being reported on my report. I was told by each creditor that if I paid off my closed accounts they would be remove from my report and that was false. I let all three bureaus know of this falsehood and I have not received any response and the last thirty days Section 15 U.S. Code 1692e states False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I was also affected by the Equifax data breach some of my information may have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

Complaint:
Recently I received a notice from Southwest credit LLC. 

Stating XXXX has placed your account with a balance of {$1000.00} Our client has advised us that they are willing to resolve your account in full for 40 %. Please contact us to see what other terms can be worked out to resolve your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. (PA)

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Complaint:
Every they take XXXX to XXXX points away from my account for balance decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc. (OH)

Complaint:
I sent out numerous affidavits of dispute to XXXX  and Experian since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. Experian failed to provide such verification documents bearing my signature or methods to validate the account. XXXX  failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so Experian is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX  report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my XXXX  and Experian 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 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
On XX/XX/XXXX I XXXX dollar payment posted. Also the funds came out of my bank. When this happens my available credit goes back up. Customer service states they have the right to wait 7 additional days before allowing me to use my money. This has never happened to me before. I dont think this policy is legal. I made those payments because I am relying on the available credit to pay bills. 

This is Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC (IN)

Complaint:
I obtained an auto loan for a new vehicle from Prestige Financial on XX/XX/XXXX. I have made all of my payments on time, as agreed. In XXXX of XXXX I was made aware that this loan is not on any of my credit reports. I contacted Prestige via email, questioning why they were not reporting my payments to the credit bureau 's. 

XX/XX/XXXX I received a response from Prestige stating that they had reviewed my account history. She stated that my last XXXX payments were made after they had already reported for the month of XXXX and that it was scheduled to update with their XXXX credit file but she had sent a manual update to the credit bureaus. 

XX/XX/XXXX I asked which credit bureau she sent the manual update to. 

XX/XX/XXXX She stated that it was sent to all XXXX XX/XX/XXXX I replied stating that my auto loan still was not showing on any of the credit bureaus. I told them I wanted my payments reported to all XXXX bureaus with proof. 

XX/XX/XXXX Received a reply stating that they were able to see that my 'account was not reporting. ' She stated that she had sent a request to get it added back on ( was never on to begin with ) but she could not guarantee that it would be 'put back on. ' In order to find out why my account was not reporting or if the request was accepted, she suggested that I contact the bureaus. 

I am paying my loan as agreed but they are not reporting my payments as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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. (TX)

Complaint:
I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX  and reinserted under a different name to XXXX . XXXX XXXX ( formerly XXXX XXXX  ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.

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 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc. (FL)

Complaint:
Is not mine account because they have with my different last name XXXX XXXX and they have XXXX 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: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Complaint:
I purchased a XXXX XXXX  and paid for the part up front and put the rest on the balance on a new Apple GS Bank  credit card. Unfortunately, I had to return the XXXX XXXX  about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

Complaint:
Wrong address and wrong name reporting on my credit. Already filed a report with the FTC

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 2019-04-08
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Complaint:
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX

Company response to consumer: Closed with explanation