hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-02
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. (OK)

Complaint:
I've been trying for almost 4 years to make Experian remove multiple accounts dating back to XX/XX/XXXXthat were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with EXPERIAN AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX  AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX  AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM PRIME MORTAGE ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT EXPERIAN HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED EXPERIAN AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND EXPERIAN IN DEPTH REPORTS AND XXXX  IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT EXPERIAN DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH EXPERIAN AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.

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 2021-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation (TX)

Complaint:
On XX/XX/2020, I deposited {$350.00} into my account and immediately my account got locked. I made contact with the financial institution and they refused to unlock the account and for 9months I've been trying to get my {$350.00} returned to me and they will not return my funds. They claim it'll be returned back to me via check, but they never send anything.

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 2017-08-29
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. (CA)

Complaint:
Experian has failed to provide valid proof that they verified the accounts in dispute. I 'm filing a lawsuit for all the violations. By law you can not have accounts on my credit report that you can not provide signatures for once disputed. Unless removed I 'm suing for all violations. Please refer to documents attached.

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 2020-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
Midland Credit Inc. contacted my employer in XXXX looking to speak with me regarding a debt collection attempt, and have contacted my employer on other occasions as well.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX 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 XXXXXXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: LEXISNEXIS (IN)

Complaint:
15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions, in addition they also violated 15 USC 1692c ( a ), and 15 USC 1692b ( 5 ). Documents uploaded shows proof. Accordance with the fair credit reporting act XXXX accounts were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (AR)

Complaint:
I am requesting to you to correct the inaccurate information on my credit file that are previously reported. I appreciate you in taking time to investigate this issue and for that I want some inaccurate information to be corrected as soon as possible. Based on FCRA, it was there responsibility to make actions regarding this matter. This inaccurate account should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers

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 2022-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

Complaint:
I reported to AMEX Blue Bird that there were charges on my prepaid account that I did not recognize. I filled out and even submitted a AMEX Bluebird Declaration of Fraud Form detailing out exactly which charges were not authorized. They reviewed my claim and denied it. 

Their own website says that they offer fraud protection : https : //www.bluebird.com/faqs/stay-in-the-know/fraud-protection  When I made a valid claim in the amount of {$550.00} they gave me the run around saying that it may take another 45 days for them to review my appeal. I'm at my wits end and need your help to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
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. (OH)

Complaint:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (CA)

Complaint:
" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX NA # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc (DC)

Complaint:
after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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. (TX)

Complaint:
I requested from Experian and XXXX XXXX XXXX XXXX the permissible permission used to have accessed my credit report in XX/XX/XXXX. Both refuse and play word games. 
Experian states " They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). The result summary was sent to you for review on XX/XX/XXXX '' I have yet to receive the permissible permission or the XX/XX/XXXX summary listed above..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (KY)

Complaint:
I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (OH)

Complaint:
I have sent several letters to Experian in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.

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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
Experian is reporting information on my account without proper consent. See attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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. (WA)

Complaint:
XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged.  XX/XX/XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX XXXX assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XX/XX/XXXX MORTGAGE PAYMENT HISTORY, XX/XX/XXXX STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

Complaint:
In  XXXX   XXXX  the finance company on my car  Prestige Financial i n Utah offered me a special offer of  XXXX , my normal payment is  XXXX . I agreed to take the lower payment. When my banking account was charged it was overcharged in the amount of  XXXX . I called Prestige immediately to resolve the issue which they flat out refused to credit my account for their mistake. I called my bank and reported it as fraud. I have prove via e-mail on the offer. Ever since then my account has not been accurate. They have been applying my payments for  XXXX  to the payment in  XXXX . They claim I missed  XXXX  's payment. Every time I call I get some rude person on the phone or my account  manager   XXXX   XXXX  refuses to speak with me or go over my account or billing. She only responds via email. For  XXXX  and  XXXX   XXXX  my account manager decides to do a deferment on my account, with my next payment not due till  XXXX . I did n't really want the deferment as I wanted to make my payments as usual. The company has my car repossessed on  XXXX . Now I 'm trying to get my car back but again it 's the complete run around and they do n't even have my billing correct. Every time it 's a different amount that I somehow owe. This lender is the worst. They are saying I owe currently  XXXX . This includes my payment not due till  XXXX  which again today is  XXXX . Minus the  XXXX  payment of  XXXX  that leaves  XXXX  they are saying I owe for  XXXX . I have an e-mail clearly stating that from the last payment I made of  XXXX  in  XXXX  that  XXXX  of that  XXXX  cleared  XXXX  and I now had a credit on my account of  XXXX  dollars. None of their billing ever makes sense and the account  manager  never is accurate with her figures. If she ca n't calculate math she needs to find a new profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: CrossCountry Mortgage LLC (IL)

Complaint:
Made an inquiry without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Complaint:
The credit card bj comity bread financial services report inaccurate information on my credit report. late payment. the company website dont work always report due to it difficulty the system is down. unable to make a pyment. 


Copyright 2022 Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. 
Credit card offers are subject to credit approval. Cash back is in the form of electronic Awards issued in {$10.00} increments that are used at checkout at XXXX 's and expire six months from the date issued. Must contact XXXX 's XXXX XXXX at XXXX to request cash back in the form of a check prior to Award expiration. My BJ 's Perks Mastercard and My BJ 's Perks XXXX  Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. XXXX and the XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. XXXX ( TDD/TTY : XXXX )

Company response to consumer: Closed with monetary relief