hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Complaint:
XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TN)

Complaint:
Cant afford to pay right now I dont make the money to afford it at all but Im in school trying to do better but it still bill up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

Complaint:
I previously received an email from Transworld Systems Inc. informing me that they werre charging my XXXX  card for {$410.00} for a computer fraud monitoring system. If I didn't want this charge, I had to telephonically contact them and they would " refund '' this amount. I contacted them and they said they needed my bank checking account number so that they could directly credit this amount to my account. 

I immediately realized this had to be a scam because I never authorize anyone to have direct access to my bank accounts unless I had previously arranged this process. I immediately hung-up on this person and immediately disconnected my computer from their website. 

I am a retired XXXX XXXX XXXX and worked XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, etc. ) and know the above described efforts are made by fraudsters. It was also obvious from the Transworld Systems person that they were calling from a foreign country because of his heavy foreign accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MA)

Complaint:
I am writing to file a complaint and seek assistance regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received a response from them to date. As a concerned consumer, I firmly believe that Equifax has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : 1. Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}. This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 

Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Complaint:
I XXXX XXXX XXXX have been contacted by Hunter Warfield, a company that I know nothing about, claiming to owe them a debt. 
I contend that I have no contractual obligation with them, nor do I have an account with the company. They are alleging that I owe them an amount that I don't recognize nor acknowledge. 

I have sent them a cease and desist letter and asked for original documentation verification of this debt. I am attaching a copy of this letter in my complaint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (IA)

Complaint:
this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.

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 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Complaint:
I had a XXXX collateral release transfer and it's on my credit report ... I didn't use this at all after XXXX XXXX then again I found out by requesting statements Every single payment to that card was an automatic payment so I should no late payments. i I'm seeing a past balance on one of my credit reports for XXXX and the account is closed. I have tried to contact Wells Fargo  to make sure I was not negative. I cant obtain my original checking account where I made the payments. My credit score for making on-time payments with wells Fargo was XXXX. I never received any letter from wells Fargo of any overdrawn account. I never went over-limit in the 4 years I had the 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 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I opened the savings account with promo code XXXX on XX/XX/XXXX. 
The promo stated to make a deposit of $ XXXX within XXXX  days of opening, hold the money for XXXX  days and receive bonus within XXXX days after holding. 
I made the deposit on XX/XX/XXXX and held funds until XX/XX/XXXX which is for XXXX  days. However, the institution ( Capital One Bank ) refuses to pay the bonus. They informed me that XXXX  days starts after XXXX  days period. This information was not disclosed to me at the time I opened the account. The promo summary didn't have any footnotes signals indicating that there is a additional period of XXXX  days before XXXX days. The terms and conditions also state XXXX  days in multiple places without any references to the additional XXXX  days. 
This is very misleading and institution was not upfront with the information and tried to hide the fact that there is XXXX  days funding period before XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnionhas NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2021-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (IL)

Complaint:
paid as agreed ... should not have gone to collection ... submitted proof of {$730.00} paid back last year. Statement showed paid in full

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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. (MA)

Complaint:
Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (CA)

Complaint:
I certified mailed a letter informing Experian, XXXX, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX  Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.

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 2021-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Complaint:
I have a {$100.00} debit card. I tried to use it before but transaction couldn't go through. I tried to call them to resolve this issue and they just told me, the card expires yesterday and all the {$100.00} inside the card is expired, they couldn't do anything about it, which is very unreasonable.

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 2022-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (TX)

Complaint:
Synerprise consulting was paid on 2 seperate accounts in the amount of {$310.00} and {$110.00} for medical debts. They have not sent a statement showing balance was paid in full or had the colle tons removed from all three credit bureaus. I have called several times and they say they will send a billing statement and report to credit bureaus to have debts removed butits been months and its still in collections showing {$0.00} paid toward balance. These acct # XXXX for {$310.00} and acct : XXXX {$110.00}. By law as of XX/XX/2022 all paid medical debt has to be permanently deleted from all major credit bureaus. Synerprise Consulting has ignored my request but had no problem taking my money! I want this corrected immediately and my credit reports updated and a letter stating balances paid in full and colle tons removed permanently from all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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. (TN)

Complaint:
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few XXXX dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ 30,000+ credit available and $ 25,000+ in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper  identification that it was me that requested the information. 

The following is just from XXXX  report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX  XXXX - XX/XX/XXXX -1 to XXXX Cap One -  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX   XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
So I really dont know where to start with this whole process but I would say for the better part of 10 years now I have been dealing with debt collection agencies contacting myself and my family for debt that I have not accrued. I know a few years ago I call Trans Union and I called XXXX and I went through a process where I had to identify myself, and prove that I am not the person that they are looking for. I know when I get phone calls or debt collection in the mail they are asking for somebody with a very similar name and through the process I have found out that his Social Security number is two digit off but my TransUnion credit keeps getting hit for it, where as my XXXX is not affected ever. Im just at a loss because I have fought this before and it wasnt shortly after where the debt collections came back so I want to just know if theres something else I can do on my part before I try to call Trans Union again and deflect these charges but I have a feeling its gon na come back unless I do something proactively

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 2021-11-23
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. (TX)

Complaint:
For many months I have been trying to resolve this issue. Experian has violated my right under the XXXX  law and Fair Credit and billing Act. I have never been late and disagreed with the balance on this account XXXX XXXX XXXX {$190.00} Account number XXXX. I have requested full validation for this account and have requested who and what rights they have to collect on this account. I see in my Experian credit report that this account has a charge off and would like to see full information. Also request to see how Experian investigate this account and from where did they purchased my public information as I have opted out of any XXXX party vendors who may have sold my information to Experian without my consent. Please provide the requested information as soon as possible. If Experian can not, I demand this account be removed from my 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 2022-07-22
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. (GA)

Complaint:
I applied for a car, furniture, credit at the dentist and credit card. Did not get approved and have many hard inquiries. 
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