hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-10-04
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: TD BANK US HOLDING COMPANY (IL)

Complaint:
This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (DE)

Complaint:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Complaint:
I have sent convergent outsourcing multiple letters to fix errors on my credit report and to request information on an account they are reporting on my credit. On XX/XX/2022 I sent a letter asking them to validate the debt. I then followed to send another letter on XX/XX/2022 asking them to provide the day of first delinquency with the original creditor which I did not see anywhere in the response to this letter. I most recently sent a letter on XX/XX/2022 asking for additional documents but they said they didn't have to provide any more details regarding the account.

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 2023-05-01
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. (FL)

Complaint:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX  XXXX DPT EDXXXX 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 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

Complaint:
I am XXXX. I am not able to keep up with everyday things. Today I noticed that since XXXX I have been billed {$4.00} a month for credit monitoring services from equifax. My understanding that due to COVID and receiving government assistance that I should not have been billed. Equifax did not understand. This was today XXXX. Are they even aware of the XXXX government policy on credit at this time. I believe I was speaking to someone in XXXX because all they spoke about was the pandemic. No help. Tried to do the survey, it disconnected me.I believe I was billed twice between XXXX and XXXX just to make it even better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (TX)

Complaint:
A collection appeared on my account from XXXX hospital in XX/XX/XXXX, at that time I provided accurate insurance information and the debt was paid in full. 2 years later, inXX/XX/XXXX the same debt appeared as Grant & Weber, I disputed the charge with proof from XXXX that the debt was paid by insurance and paid in full and the collection was removed. This year,XX/XX/XXXX, the same collection has re-appeared. I was not notified in writing or any form that this collection would be reappearing on my credit report. I have since disputed again however the only proof I had after 4 years of moving 4 times was that the same collection was removed in XX/XX/XXXX. I am afraid of this continually reappearing on my credit report. I have tried to contact XXXX hospital directly but they are nolonger in business. The collector ( Grant & Weber ) says they can not remove unless XXXX  contacts them to remove. It's a never ending circle. You are my last hope to permanently remove this from 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 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Complaint:
Hi, Recently XXXX XXXX merged with Citizens Bank. After their merger my XXXX account has been over drafted for the 1st time in 2 years even though my account was set to not overpay what I don't have in my account. So no negative balance and overdraft can happen. 

Now merged with Citizens Bank they purposely made me overdraft to collect that fee and something is fishy about the over all alignment of my deposit and what they say I had during that week and days of negative into overdraft. I tried to remedy with the bank before this point of an complaint and they dismissed me. 

Citizens Bank has been fined for doing this before : " Misappropriation of depositor funds In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and other federal regulators levied nearly {$35.00} million in penalties against Citizens Bank " for failing to credit to customers accounts the full amount of their deposits ''. The regulators declared that, from XXXX to XXXX, " The banks actions resulted in consumers being shorted millions of dollars ''. [ XXXX ] [ XXXX ] Joint action by the CFPB, the FDIC, and the Comptroller of the Currency determined that Citizens Bank had engaged in " deceptive practices '' by " fail [ ing ] to give customers their full deposits at times when the size of the deposit didnt match the number written on deposit slips '', despite promising to correct such discrepancies, instead pocketing the difference. [ XXXX ] The bank was required to reimburse its customers for lost funds as well as pay roughly {$20.00} million in fines to the three agencies. [ XXXX ] The XXXX XXXX XXXXXXXX said that Citizens Bank 's misconduct " is appalling precisely because it is so basic '', demonstrating that " regulators like the Consumer Financial Protection Bureau are a necessary defense against a system prone to abuses ''. [ XXXX ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (TN)

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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. (GA)

Complaint:
XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OH)

Complaint:
I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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. (AZ)

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX BANK XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (FL)

Complaint:
They are reporting stuff to my credit that isnt mine. One is for a XXXX XXXX bill and they told me well maybe identity fraud. But refuse to give me any type of information on said account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: FORD MOTOR CREDIT CO. (CA)

Complaint:
Im currently shopping for an auto loan and received a preapproval offer from XXXX XXXX. I also submitted a credit application with XXXX XXXX XXXX to get a lease offer of which a hard inquiry was completed. I was contacted by one of their dealers but they didnt have the car in stock that Im interested in. The sales rep, XXXX XXXX, was trying to convince me to have finance at his dealership also run my credit so they can shop with their partner lenders even though I already have a pre-approved offer. I told him Im not interested in having them run my credit one because they dont even have the car in stock that Im looking for and two because I already have a preapproval offer. The sales person told me he will let his finance department know and will get back to me. A few minutes later, I received an inquiry alert from XXXX notifying me that XXXX XXXX XXXX auto dealership in CA, pulled my credit - without my consent. I did not complete any credit application with them nor did I provide them with my information to authorize a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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. (OK)

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-06-24
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: AFNI INC. (FL)

Complaint:
Someone open fraudulent accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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. (IL)

Complaint:
There is a 30 day late payment reported on my XXXX  and XXXX  report and a 60 day on my Equifax. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.
Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then tr
ansferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and
" we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be
connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (PA)

Complaint:
this card is not mine i did not sign for it my id was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

Complaint:
I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Genesis FS Card Services, Inc. (GA)

Complaint:
I have called the lender XXXX XXXX several times and the telephone number associated with the lender is not valid. I have mailed the lender a letter requesting to find out who they are and why are ( 3 ) separate inquiries from them listed on my credit report. I never received a reply from the lender regarding my inquiry. So at this point I would like to have this lender removed from my credit report. I have no recollection of ever applying for credit. And the information listed for them is not accurate nor current

Company response to consumer: Closed with explanation