hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Cactus Jacks Auto Sales (AZ)

Complaint:
I have had my vehicle with this company for about 2 years now and I pay my car note every single month it is automatically deducted from my checking account on a monthly basis, the XXXX of the month. I have never missed a payment to where my account has been over 30 days past due yet the company keeps reporting to the credit bureau that Im 30 days past due on my account. There is no way i could be if my account is paid the XXXX of every month. I had gotten a lawyer to help with the situation and my lawyer advised me to pay them {$410.00} every month on the XXXX instead of {$390.00} which is what i was initially paying. I started making the payments of {$410.00} on XX/XX/XXXX which covers me for the full month. I initially had a {$260.00} credit with the company because i had over paid them. This information was confirmed to me by their employee XXXX at XXXX on XX/XX/XXXX, my car note was not due till XX/XX/XXXX i was all paid up with a XXXX  balance due and a {$260.00} credit on my account. XXXX XX/XX/XXXX {$410.00} was withdrawn out of my bank account. Now all of a sudden the company is claiming that my payments are behind yet i had a credit and car note has been fully paid on the XXXX of every month since i had the car. The company can not explain to me what happen to the {$260.00} credit all they keep saying Im a week behind on my payments but no one knows how. They are calling my family members that i have listed as a reference and have been told multiple times to stop calling, sending text messages multiple times a day everyday to my cell phone without my permission, leaving voicemails on my phone stating this is an attempt to collect a debt and i need to contact them before the end of business day that day or my account will be transferred over for repossession yet again this is not even a 30 day time frame they claim account suppose to be late and my account os paid for the full month. They make false reports to all three credit bureaus and say Im 30 days behind which is effecting my credit and the account is not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Complaint:
I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX  number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX  and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-09
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: Lending Club Corp (CA)

Complaint:
I fell behind on Lending club account. I understand it is my responsibility to make timely payments. But the reason for this late payment is particular. It was due to the loss of a very close family member. Some of my other creditors were very understanding a choose to not report and retracted their reporting. I was hoping I would be able to get some help.Prior to this was a rated to be a good consumer, with good credit not my credit is under the water do to this late reporting. I have never been late. Always communicated changes etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Complaint:
I over look my credit report and I see some activity that 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 2022-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2021-05-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Complaint:
EVERY single communication with Nissan XXXX, some of which are viewed by others in my email, begin with This is an attempt to collect a debt. My communication with them might have nothing to do with collecting a debt calling about a problem, trying to arrange a payment schedule on a certain day of the month, but every single time they say This is an attempt to collect a debt. This is in every voice communication with them and in every email. This is harassment and an invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Complaint:
Received the debt collection notice from the CBE group Incorporated XXXX XXXX XXXX XXXX 

It states I owe XXXX {$3300.00} and I have not used XXXX and at least 15 years. Made some phone calls and I just get a runaround and they're asking me to purchase XXXX gift cards to be able to resolve this collection issue which to me sounds a bit off. I have not used XXXX I think this is 100 % fraudulent They gave me a reference number of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
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 (PA)

Complaint:
We had a charge, last month from a company called " XXXX XXXX '' that charged our card. What was strange is that we hadn't done any business with XXXX XXXX for nearly 7 years. In that time my credit card number had changed a number of times and they had the most recent number, which I most certainly did not give them. We did dispute the charge and ultimately, it was resolved, however, how did they get the number? 

In an effort to stop these sorts of charges and to get ahead of vendors that had our cards on file for auto-pay during the pandemic, we cancelled our old card and issued a new one. On XXXX, I noticed that a remarkable number of our vendors HAD OUR NEW CARD NUMBER and their charges went through even though we had not given them the new card numbers! On XX/XX/2020 at roughly XXXX XXXX I called Capital One and spoke to a representative there. 

I was told that Visa, the organization that manages my card, has an agreement with certain vendors where they are given access to my new credit card number as a COURTESY TO THE VENDOR! I was shocked. I was told that I would have to negotiate WITH EACH VENDOR to get them to remove the auto update clause from the contract if I wanted to opt out of this program. 

At no time was I presented with ANYTHING that outlined this " service '' or required my expressed authorization to enable it on my account. If I did, it was not marked clearly or done fairly. 

There was one option, which I opted for, I had to lock my credit card for all charges and then add new accounts to a new card one at a time, which is a stop gap but the amount of charges that hit my card will have a significant impact on on my cash flow in these coming months. 

As a small business I should have the flexibility in determining who gets paid when, not VISA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Remex, Inc. (GA)

Complaint:
I requested a validation of debt from a collection agency and the sent me information that violated HIPAA. They documentation showed procedures that was performed. I never gave permission to that collection agency to have access to any part of my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Complaint:
I have a loan with WELLS FARGO late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

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 2016-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Revenue Management, Inc. (CA)

Complaint:
I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Complaint:
I have been a victim of identity theft and it seems that this is never ending miserable issue for me. The credit cards with Department Stores National Bank/Macys with account ending XXXX was opened fraudulently not by me. I disputed this account with the original creditor and they had told me that this account was already closed due to fraud and the accounts was deleted from my credit file. I submitted a federal trade commission identity theft report that they had sent me years ago for this fraudulent account as well. Now, this account is in collections and I don't know how it was transferred to a collection with wrong information when it was closed due to fraud. I have even forgotten how many years back this account was opened and closed due to fraud and removed off my consumer credit report. This is not only frustrating but it is also causing a negative impact to my name for an account I never had opened to start with.

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 2022-05-02
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. (GA)

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately 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 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

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 2023-04-01
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: EQUIFAX, INC. (PA)

Complaint:
XX/XX/2023 {$8300.00} auto trakk is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
Hi, I have an account with SYNCHRONY or SYNCHRONY BANK, High Yeild Savings account. I placed a request to do Wire Transfer money on XX/XX/XXXX Monday evening, but today XX/XX/XXXX close to XXXX CST, still Bank not started this wire transfer request. I called and talk to their multiple accounts managers and non of them have any clue what is going on. I don't know why they are not completing this wire transfer request or not even started yet.

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 2023-08-21
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 a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (FL)

Complaint:
COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed
Consumer complaint received 2018-02-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Complaint:
After Hurricane Irma in XX/XX/2017, my Sallie Mae/Navient monthly payments are more than double. The balance I owe is for My daughter 's ( XXXX XXXX ) loan that I cosigned for. She was only making minimum payments and it affected my credit. So I made arrangements to be the sole payer on the account. This was originally a {$2000.00} loan, and there is still {$860.00} owing. The past 4-5 months, the payment has gone from around $ XXXX- {$18.00} up to over {$45.00}. Since I am retired now and on Social Securty, this became a hardship. I have emailed them several times and NEVER got even one response as to why the payment went up like that. It will never be paid off at this rate, because now I am the one making minimum payments. My daughter is unemployed, or she would help me. We live in a very small town, and jobs are extremely hard to come by. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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:
Ive been a victim of identity theft and I Have fraudelent accounts on my credit 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 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-04-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Complaint:
I have made numerous disputes and Method of Verification requests and XXXX  Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious Portfolio Recovery Associates. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.

Company response to consumer: Closed with explanation