hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Complaint:
I have disputed an account with XXXX XXXX several times with experian. The account number is XXXX. This account was closed and charged off in XXXX of XXXX XXXX XXXX has been manipulating the data to keep pushing the date of federal obsolescence forward and maximize the point loss for it. 

As you can see from the enclosed copy, they stopped reporting the delinquency just after they charged the account off and closed it. But in XX/XX/20, suddenly they report that the account was 150 days late for the month of XXXX. 

This is a clear violation of the Fair Credit Reporting Act requiring the bureaus to report the correct present status of an item or delete it. It is willful non-compliance by XXXX XXXX for manipulating data with the sole purpose of moving the obsolescence time frame forward. 

This would be a valuable case for you to publicize. How many hundreds if not thousands of XXXX XXXX customers are having their data manipulated for this reason. What is this manipulation doing for the validity of credit scores which XXXX XXXX and the bureaus promised to Congress would be " empirically derived and STATISTICALLY SOUND ''?

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 2021-11-29
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. (FL)

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX  CARD-Date of inquiry XX/XX/2020 XXXX-Date of XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

Complaint:
On XX/XX/2018 XXXX XXXX XXXX reinserted a collection account onto my credit report for the third time. This is my THIRD complaint against this company, complaint # XXXX & XXXX both times I've stated that I did not have an account with this company and both times I've stated that this company do is NOT license to collect in Texas, in my last complaint the company stated they were licensed per the Texas Secretary of State this company is not listed as licensed. Each time this company have removed the account from my credit report and then reinserted. This is illegal and I will be pursuing legal actions for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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. (NJ)

Complaint:
There are Three accounts that are reporting on Transunion, XXXX and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE CITICARD ACCOUNTS I LISTED XXXX XXXX PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
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. (MI)

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 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NV)

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (AR)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: ALLY FINANCIAL INC. (NY)

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.

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 2023-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (GA)

Complaint:
My name is XXXX XXXX. I am sending this compliant in regards to LVN Funding & Resurgent Capital. All alleged accounts that you are falsely claiming that I owe with no proof that Ive asked for. I contacted both companies which is represented by one company due to the fact that they violated my rights under the FDCPA and continued to harass me with phone calls at unpleasant times of the day and continued harassing me calling family members of mine, also I sent a certified copy of a cease & desist letter so to the harassing and threatening phone calls to collect an alleged debt accusing me that I owed. I sent in several certified documents asking for the companies to prove several things within the FDCPA laws along with the UCC & Constitutional laws which protects a person from harassing debt collectors violating their rights. I would like for the alleged debt be validated by providing the original contract with XXXX XXXX wet signature not anyone other than XXXX XXXX not XXXX XXXX, provide proof of ownership of the alleged debt that you are falsely accusing me of owing. If you cant provide any proof please remove immediately from my credit profile within 30 days or less. I have never opened any accounts or did any business contracting with these companies that allegedly claim I owe for the accounts listed in the attachments below. The date on the accounts are false and knowingly they could face charges under the FDCPA for several violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Complaint:
After reviewing my account diligently recently, I have probable cause to believe I have been victim of " forbearance steering ''. 

ORIGINAL PRINCIPAL {$27000.00} ORIGINAL PRINCIPAL {$11000.00} Total payments from XX/XX/XXXX - XX/XX/XXXX = {$41000.00} * ( I am currently attempting to retrieve missing payment amounts from repayment initial start date thru XX/XX/XXXX, as that information has not been made readily available to me by Navient as of yet ). 

I have tallied up 80-90 months of forbearances through the life my loans which I first obtained in XXXX and began the repayment process in XXXX or XXXX. That is over 24 years and my account still has a balance of {$56000.00}. I am seeing XXXX cumulative years toward student loan forgiveness. In fact, I have not ever been counseled on any income-driven repayment program that may have been or is currently available to me, so Navient still has me on a standard repayment plan, which has my chances of any forgiveness set for the year XXXX, when the loan is set to mature. My current loan plan is Graduated Repayment. 

I originally received my loans under the Stafford Loan program ( FFELP- unsubsidized and subsidized ), which was discontinued in XXXX, so I had my federal loans turned into private loans ( not by my choice ) which has made me ineligible for the CARES Act during the Covid-19 pandemic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC (TX)

Complaint:
Credence Resource Management , LLC ( XXXX, Texas ) placed a collection on my credit report for a debt that was not mine. No attempt to notify in writing, to do basic validation of a debt clearly in another state. I have contacted Credence, the original company XXXX, credit bureaus, the CEO of Credence, and have filed a police report and still am not satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Complaint:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OK)

Complaint:
On XXXX I was denied a personal loan to buy groceries due to Ally bank being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to Ally bank for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. Ally bank shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.

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 2022-11-22
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. (MD)

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Complaint:
I am filing this complaint because CREDIT COLL has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
I purchased airline tickets online through a third party in XXXX of 2019. 

Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes. 

I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me. 

Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates. 

That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}. 

This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to. 

Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket. 
I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I was one day late on a payment. The bill was due on the XXXX. I called on the XXXX and the rep said to call once the fee was applied and I can request it to be waved. I called today the XXXX, and asked if they could wave the fee. I explained how I have all my cards on automatic payment and this late payment was unintentional. I also explained I went online to set up automatic payments so it wont happen again. I was told by the rep that the fee was applied and is not eligible to be waved. Then I was told they have options on the mobile app to avoid this in be future. Their mobile app however, doesnt make it possible to set up automatic payment. You have to login on your PC. They do not send any notification to remind you of your upcoming payment. It seems like they set me up for a {$25.00} dollar fee and lied saying I can request it to be removed, knowing its not eligible according to their policy. In an era where everything is done on a smartphone they make it difficult to pay a bill. Then their fee is the same amount as what my monthly payment is. So I am being doubled charged.

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 2023-07-06
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. (NY)

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation