hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

Complaint:
Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks

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 2020-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC (MS)

Complaint:
I initially contacted this company in XXXX of 2020 requesting this company to send me validation of the alleged account. The company has not replied in 60 days. This is a violation of my privacy rights, the FCRA, and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Complaint:
I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MA)

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (GA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-05-26
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: TD BANK US HOLDING COMPANY (FL)

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Complaint:
I had an a credit card with citi bank between XXXX and XXXX and I believe the bank overcharged too much in fees and I received a letter stating I will be refunded but till today I did not receive in check from them.

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 2021-07-11
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. (OH)

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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. (FL)

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
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. (AL)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-21
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. (FL)

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (AZ)

Complaint:
I put in my first dispute with Comenity Bank on XX/XX/2020 when my XXXX statement arrived and I did not see my rewards points credited. It is now XX/XX/2020, with no resolution and hours and hours on the phone with them. I have received only a partial credit for my original order of XX/XX/2020. The items get billed to my card as they ship and I have called over 10 times and spoke to many representatives to try to find out why all of my purchases weren't included in the correction to my rewards dispute and why they only credited a portion of my points, no one can explain it. They have given me different deadlines for them to resolve this ... 2 weeks, 60 days, and now 90 days. Meanwhile, I have had a {$2000.00} overpayment on my account from returns I have made and they are considering this a billing dispute so not only was I talked into a XXXX XXXX Credit Card by the rep to get points, which I still don't have, I still don have some of the furniture from my XXXX order and now I do not have my {$2000.00} that is just sitting as a negative credit balance on my credit card with them for over 30 days. They are refusing to reimburse it even though it has nothing to do with my reward points dispute. I finally spoke to a rep at XXXX XXXX on XX/XX/2020 who changed the last 3 to 4 items that had not already been shipped and cancelled them and reordered them under the rewards point coding versus the 0 % coding which is when my rewards points started to credit. But they returned items and took points away from me that were never credited. So I am negative over 3000 points, when they are the ones who owe my approximately 3000 points ( see attached for exact figures ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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. (IN)

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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 2022-03-11
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. (TN)

Complaint:
XXXX Network/Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX or my wife, XXXX XXXX XXXX Sometime in XXXX XXXX an erroneous charge in the amount of {$220.00} ( originally {$340.00} ) from XXXX Network appeared on my credit report XXXX stating that my account was in collections ; however, Ive never had XXXX XXXX  I have had XXXX from around XXXX through XX/XX/XXXX, at which point we moved and switched to XXXX. Ive attached my XXXX payments XXXX through XXXX for your reference. 
On XX/XX/XXXX, I submitted an online dispute through XXXX and on XX/XX/XXXX I submitted an online dispute through TransUnion. Both companies claim they verified the XXXX XXXX collection and stated it is accurate. The week of XX/XX/XXXX, I called XXXX XXXX multiple times and they could not find me in their system anywhere yet refused to remove the collection from the credit bureaus. On XX/XX/XXXX, I called Receivables XXXX XXXX, the collection agency, provided on the credit report, they cant find me in their system either, yet also refused to remove from my credit report. 
The week of XX/XX/XXXX, I also called TransUnion and XXXX and spoke to both directly. They would not remove from my credit, nor would they give me another option other than filing an online dispute. As stated, that has already been done and they confirmed its accurate so its obviously pointless to do it again. Ive since learned that the verification process is a computer talking to another computer and it rarely results in accuracy, because both are fed the same inaccurate data! 
What do I need to do to get this off my credit report and my good credit re-established? When you look at my report, I have exceptional payment history, why would I not pay a {$220.00} XXXX bill. I was even willing to pay it just to get it off my report, but I can't pay it because it nobody can find me. I am self-employed and this is preventing me from getting the funding I need to complete the project Im working on. My score was XXXX and it is 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 non-monetary relief
Consumer complaint received 2019-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, XXXX  XXXX  XXXX  ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder 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 2021-08-08
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: Santander Consumer USA Holdings Inc. (FL)

Complaint:
This account from Gateway Lending and Finance is fraudulent. I never had a loan open with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Complaint:
I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX, 2023 to open a Certificate of Deposit and Savings Account. When I was told that the XXXX XXXX would have to do a credit inquiry, I told them that I do not consent to a credit inquiry and that I would not like to open any accounts anymore. However, XXXX XXXX XXXX still did an inquiry through TransUnion that showed up on my credit report on that same day. XXXX XXXX XXXX made an inquiry without my authorization or consent. I want this inquiry to be taken off all of my credit reports. I tried contacting XXXX XXXX XXXX about the issue, but nobody would get back to me or assure me that the mistake this would be corrected. 

What XXXX XXXX XXXX did by running a credit inquiry without my consent was a violation of the Fair Credit Reporting Act.

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 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (MS)

Complaint:
I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (CA)

Complaint:
On XX/XX/2022 I visited the XXXX website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.

Company response to consumer: Closed with explanation