hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Complaint:
I recently filed a complaint on an account stored on my credit report with Experian and XXXX XXXX. Experian just sent me an update stating that the dispute is closed, and XXXX XXXX verified the account. I know I made the payments on that account in XXXX XXXX XXXX. Once again by law, I have the right to have the dates validated by the Data XXXX reporting me on my credit report, which would be XXXX XXXX and Experian. By law VALIDATION not VERIFICATION would be the bank statements from XXXX XXXX showing I didn't make the payments. I want my VALIDATION which I'm entitled to. If XXXX and Experian don't provide that they would be in DIRECT VIOLATION of the Law.No one should be able to break the American Law. Without that VALIDATION experian and XXXX would be False Reporting, which is a violation of the law. by other means, Experian and XXXX are reporting this account without my written consent. I HAVE THE RIGHT TO MY PRIVACY WHICH THE LAW GRANTS ME. PLEASE CAN XXXX AND EXPERIAN PROVIDE ME AND THE CFPB WITH THE WRITTEN CONSENT OF MY STATING TO FURNISH THIS ACCOUNT? EVERYTHING EXPERIAN AND XXXX HAVE BEEN UPDATING TOME IS FRIVOLOUS DUE TO THE FACT I VALIDATED AND HAVEN'T RECEIVED ANYTHING BUT FRIVOLOUS STATMENTS. AS STATED IN THE FCRA LAW THE CREDIT BUREAUS SHOULD TREAT ME WITH THE RESPECT THAT A CONSUMER DESERVES, WHICH I FEEL AS THOUGH I'M NOT BEING TREATED WITH THAT RESPECT. EXPERIAN AND XXXX ARE BREAKING SO MANY LAWS AND GETTING AWAY WITH IT. AT THIS TIME I'M GIVING XXXX XXXX XXXX PERMISSION TO SPEAK AND ACT UPON MY BEING. YES, I'M FAMILIAR WITH THE FCRA LAW AND THE FTC LAW, IF I HAVE THE RIGHT TO MY PRIVACY I WOULD LIKE THE XXXX XXXX ACCOUNT REMOVED IN GENERAL FROM MY CREDIT REPORT. ALSO, EXPERIAN AND XXXX CAN EVEN VALIDATE NOT VERIFY THIS ACCOUNT, WHICH SINCE THEY ARE HOUSING IT THEY MUST HAVE THE VALIDATION TO PROVIDE ME. WHEN FILING A DISPUTE WITH THE CREDIT BUREAUS ONLINE YOU ONLY HAVE XXXX SPACES TO TYPE YOUR COMMENT, WHICH IS NOWHERE NEAR ENOUGH SPACES. PLEASE STOP LETTING EXPERIAN AND XXXX BREAK ALL THESE LAWS WITHOUT NO ACTION BEING TAKEN AGAINST 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 2018-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

Complaint:
I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
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: Experian Information Solutions Inc. (NY)

Complaint:
My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by 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 2023-04-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

Complaint:
TrueAccord.com notified me that they were attempting to collect a debt, sent to them from XXXX XXXX, a loan company in XXXX, IL. ( previously filed a CFPB complaint about XXXX XXXX ). TrueAccord had two attached files from XXXX XXXX. File 1, I could not open, and File 2 was a copy of a contract electronically signed by me. This contract was a forgery and did not have an official electronic signature by me. It was a total fraud. 

I sent TrueAccord a copy of XXXX XXXX letter exonerating me from any responsibility of their latest loan. 

I have hired an attorney in XXXX, IL to file a lawsuit against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Complaint:
I recently conducted a balance transfer to my new citibank card from XXXX in the amount of XXXX. Since this maxed out my citibank card, it significantly lowered my fico score from XXXX to XXXX. I was floored so I decided to just pay off the citicard in it's entirety to restore my fico score. That apparently did not sit well with Citibank so they took my {$12000.00} plus another {$300.00} balance transfer fee totaling {$12000.00} payment on XX/XX/2020, but will not apply it until XX/XX/2020. The excuse they gave me was that my account was too new so they put a hold on the payment and my money. That's {$12000.00} of my money out of my checking account where I have no access to it and it's hasn't been applied to pay my balance! I should not be punished for deciding to pay off my credit card early. I have reached citibank representatives two times but they refused to provide a satisfactory solution. They also refused to provide the phone number of the citibank executive office so I could submit a complaint. Lastly, I feel that I received disparate treatment because of my XXXX surname since I was given a lower than normal credit limit. I also questioned this, but they said that they could not help until after 6 months. I am very disappointed with the way I've been treated by Citibank.

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 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (TX)

Complaint:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

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 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I sent a certified letter to XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.

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 2022-02-18
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: EQUIFAX, INC. (PA)

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in XXXX, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.

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 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (NY)

Complaint:
this was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my early warning report. Unauthorized use of my early warning report.

Company response to consumer: Closed with explanation
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. (PA)

Complaint:
In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX 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

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 2021-07-30
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. (TN)

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2018-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX  XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed

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 2018-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

Complaint:
My credit application was denied in violation of 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 explanation
Consumer complaint received 2023-08-14
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. (TN)

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Genesis FS Card Services, Inc. (CT)

Complaint:
Milestone Mastercard XXXX XXXX XXXX XXXX/ MI XXXX XXXX XXXX XXXX , OR XXXX XXXX XXXX I took out the card and Without using it or activating it the card came with a balance of XXXX This balance is very deceiving. They charge an annual fee without the person ever activating the card. The other issue is it is not made abundantly clear beforehand that this would occur. If not for XXXX XXXX I would have never noticed and I would have been unjustly billed. 
I called and complained about the charge. I not yet understanding why there was a charge to my account told the individual I spoke to I never used the card and I should not have a balance. I also told them I did not want the card. I want it closed and I would be reporting them to consumer finance. Their response was asking me if I wanted to activate the card. Luckily I said NO and repeated I wanted the account closed out. They transferred me to a manager. 
After talking to a manager I discovered had I activated the account I would have been stuck paying the fees. I felt mislead. The woman I spoke to before clearly tried to trap me into having to pay the fees by 1st not disclosing I would have to pay the fees if the card was activated and 2nd by ignoring my demand to close the account and offering to activate the card. 
This is not a trustworthy company! 
XXXX XXXX has many people complaining that this card is not clearly transparent on the annual fee. And they clearly do not explain we will not be held accountable if we do not active the card. And clearly if you call to complain before they explain the fees and how to avoid them they try to push you to activate your card. 
Now my concern is how trust worthy are they to follow through and not charge me a fee and how will this affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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. (MO)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2018-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AL)

Complaint:
Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?

Company response to consumer: Closed with explanation