hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-04-13
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:
Unauthorized inquiries on credit report were disputed and were not investigated nor removed.

XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Complaint:
there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had rare XXXX on my knee which i had to go back home for XXXX. the XXXX   XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX  consumer usa also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 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 explanation
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Complaint:
This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Account Recovery Specialists, Inc. (NC)

Complaint:
I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX XXXX XXXX XXXX la. Contact XXXX   XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AL)

Complaint:
*They have been contacting me more than once daily. harrassment is not acceptable and I am seeking my bill to be zeroed and continue to use the card. 

*They claim to have options to assist with payment but when I try to contact them with the link provided the call hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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. (CA)

Complaint:
There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX with XXXX date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

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 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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (KY)

Complaint:
I spoke with a representative of XXXX XXXX XXXX, who are working on behalf of Cavalry Portfolio, to settle the account with a payment arrangement. The terms of the agreement were falsely represented, misleading, threatening, and additional funds were added to the account. I reached out to the company with no response, so I disputed the account information on my credit report but with no changes. I don't understand how terms of a settlement are reached on a recorded line but changed afterwards and it's ok to do. I have also emailed the attachment to the law firm in XXXX, and they never responded until I disputed the account via XXXX. This company is awful!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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: Experian Information Solutions Inc. (NC)

Complaint:
I pulled my credit on XX/XX/XXXX due to being denied a loan thru XXXX XXXX on XX/XX/XXXX I discovered I had identity theft again I reported identity heft to all three major credit reporting companies in XX/XX/XXXX & XX/XX/XXXX I was recently notified that I have monies at the dc unclaimed Reported XX/XX/XXXX By XXXX. My XXXX card on all three credit reports The address of XXXX XXXX XXXX XXXX WASHINGTON DC # # # # # # THIS IS THE FEDERAL COMMUNICATIONS commission ADDRESS NOT MINE as reported on my credit report by XXXX  of XX/XX/XXXX EXPERIAN reported my XXXX XXXX account as closed but it was used after my credit report by experian said it was closed It also says reported in XX/XX/XXXX pprox. Reported where XXXX.inquiry.. XXXX XXXX letter of XX/XX/XXXX denies the inquiry on all three credit companies they said the only one they did was in XX/XX/XXXX when I purchased a car. 
Due to my experian and other reports having false info on them and me having identity theft registered with the FTC and confirmed in XX/XX/XXXX by the office of the comptroller for currency I requested via phone at experian to give me What addresses were reported by which creditor on my experian report Especially XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc And what phone numbers go with what creditors account due to the XXXX XXXX like number And XXXX are not mine along with 18 others on my XXXX report I requested this info from experian person via phone in XX/XX/XXXX. The male said I could not delete any addresses or phone numbers because they were linked to the creditors that reported the addresses and phone # .. to assist me in recovering from identity theft I need all that info And the dates reported info on all my accounts Did they report that to a unclaimed department of the United States . 
This will also help me catch the identity thieves and recover my missing million plus dollars unaccounted for Have then send me this info asap for court with my ex husband XXXX XXXX as if XX/XX/XXXX I also Need to know who reported my income AS what is stated on my experian report as Retired XXXX SECOND INCOME This sounds like my ex husband History. 
I worked for 45 years before I was put on XXXX. 
I also have 45 years of credit history why is there only 13 years on my credit Also why do all three credit reporting companies have my names totally different EXPERIAN has XXXX XXXX XXXX XXXX XXXX XXXX has XXXX XXXX XXXX has 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 2019-08-24
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. (MA)

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a  screenshot of the exact report I received. 

I hope you take this seriously. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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. (NY)

Complaint:
This is now my THIRD COMPLAINT to Equifax using CFPB and I will be compiling all my complaints and documents for submittal to upper governmental regulatory agencies to get justice.Despite two complaints, Equifax has chosen to leave data fields blank in regards to Outsource Receivables. Equifax has not been able to validate the debt nor post date of first delinquency data which would cause this negative information to be posted until the end of time. I will PERPETUALLY make complaints through CFPB until Equifax does what their are required to do by law. All their activity will be preserved for evidence of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Complaint:
My vehicle was voluntarily repossessed through the SCRA ACT and after everything appeared finalized, I feel cheated via the waiver. The outstanding balance is still showing on my credit despite its repossession. When I saw the form that I signed with the SCRA ACT WAIVER on it, I feel cheated because I do not feel like I got a fair shake on the deal to begin with. The interest rate was the biggest problem for me especially in the stubborn negotiation process. How could they offer a waiver to a law that was not presented or offered in the beginning. Personally, I feel like I was swindled and stuck with the bill after reading the SCRA ACT WAIVER that was labeled on the release form in bold. The release form HIGHLIGHTED benefits that appears to have been available at the jump. These benefits included PROTECTIONS for me at the time of my purchase. I am looking for a remedy to the situation because of the stubborn negotiation around the interest rate, the failure to provide the protections after me telling them I was a service member at the time of purchase, and for swindling a waiver out of me of protections Guaranteed to me at the time by law and leaving me with the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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. (GA)

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 : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed Account : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 C, ( 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 1681 S-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 2019-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MD)

Complaint:
this company has a collection account opened on me - i have repeatedly requested any documentation which would validate me owing this debt - i sent mail to both the originator and this debt collection company with the information below - and both have refused to provide me this legally required information for over 1 year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Receivables Management XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX current date XXXX RE :  Collection attempts on a debt I do not owe. 


You have reported a collection account to the three major credit agencies. The amount of this account is {$220.00}. 

I do not believe that I owe this debt and I dispute it. 

I have no idea why i am receiving this bill. I have no idea what service was provided - when - where - by whom. 

In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? b ) How this amount has been calculated in a way I can understand c ) Copies of the papers where I agreed to pay what you say I owe. d ) The name of the original creditor. e ) Demonstrate that you are licensed in my state, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX Account Number : XXXX  Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. 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 2017-07-22
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 (GA)

Complaint:
On XXXX XXXX, 2017 I made a payment online with my Wells Fargo mobile app to my secured card. I made this payment mid morning Eastern standard Time on the Friday. Wells Fargo states that payments made before midnight Pacific time will post to the account the date made ( paraphrase ). I called on XXXX XXXX, 2017 at XXXX XXXX to see why my payment was n't posted and they told me that it was n't there and I had to wait for their system to update in 1 to 3 business days. There system never shows the pending payment but shows it in posted so they do n't allow them to push the payment through. This causes delays in using my card.

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 2021-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (SC)

Complaint:
DSNB MACYS this account has charge-off status and yet there is a past due balance on your report. I have requested debt validation and Macys have failed to comply on several occasions. 

All Listed accounts on my attached dispute have failed to provide debt validations since XX/XX/2020.

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