hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Complaint:
I had an original payday loan from XXXX XXXX. It was bought by XXXX XXXX XXXX  which I saw listed on my credit report, so I called and settled this outstanding account with them. I received the paperwork confirming my debt has been settled. 

I received an email from an " XXXX  XXXX XXXX XXXX  XXXX '' from a XXXX XXXX saying that they will send me a summons to court for non-payment and lack of response. They are asking for a credit or debit card number to settle it for {$980.00}, which they later revised to {$750.00}. The email to respond to was XXXX and XXXX. I responded with a copy of the letter from XXXX XXXX XXXX ( about my account being paid ) and this person from ACE said that they know about my settlement, but these are legal fees. I said I would look into the account further. 

This person has become increasingly aggressive, asking when I can provide my card info. I asked for their financial department if a money order can be used ( to protect my information ). They said they only accept debit or credit. They have kept sending me emails within the hour, threatening to proceed with legal action. 

I consulted with a lawyer from XXXX XXXX about this case who thinks this may be a fraudulent company. The lawyer said that once a debt is paid, it is paid. I am waiting for a letter from XXXX XXXX to assist me in this case. I also wrote an email to XXXX XXXX to ask if they are affiliated with " ACE '' and to assist me with updating my account, if it is still being distributed to outside channels for non-payment even though I had settled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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 2018-07-12
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. (NJ)

Complaint:
ask the three credit major credit reporting agencies equifax, XXXX XXXX, XXXX  to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

Complaint:
I have a loan with TOYOTA MOTOR CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part. I was never days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: CORELOGIC INC (IN)

Complaint:
A credit provider ran my credit for a home loan without my consent.

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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

Complaint:
I opened a new checking and savings account with Citibank NA with a promotion saying I'd get XXXX $ for depositing {$15000.00} and an additional {$100.00} for direct deposit activity. I also received a notice saying if I performed a certain number of bill pay and and debit card transactions I would receive XXXX XXXX XXXX miles. 

I opened and funded the account on XX/XX/XXXX. On XX/XX/XXXX I received an email confirming I had the XXXX miles promotion attached to my account and told me what debit card and bill pay activities to complete. Then, on XX/XX/XXXX I received confirmation that the {$500.00} promotion was on my account and gave me instructions on seperate activities to complete to get the {$500.00}. On XX/XX/XXXX, I went into the bank to ensure I had performed the correct activities and the teller confirmed my balance and said I would qualify. 

As a result I left over {$15000.00} in a new Citi checking account. On XX/XX/XXXX, I was told I had both promotions correctly on my account and met criteria but would need to wait for the miles and dollars to be credited. I then confirmed this again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to follow up so many times because each time I was told I'd receive the XXXX $ bonus a different date. I finally escalated the issue and was told on XX/XX/XXXX a case would be opened, I was told that case was resolved in my favor and I would be credited {$500.00}. I kept over XXXX dollars in my account this whole time to be sure. 

Then XX/XX/XXXX - I was sent a letter with no explanation saying I would no longer receive the {$500.00} after I repeatedly left funds in the account because Citi confirmed I would receive the bonus. They lied about a promotion to gather deposits to support their bank at customers expense.

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 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Complaint:
This is an update regarding Complaint XXXX issued XXXX, It is now XX/XX/XXXX ... and there is literally NO RESOLUTION by XXXX XXXX XXXX ( BoA ). Since XX/XX/XXXX, it has been a series of delays and 'give us more time ' delays with no resolution by this bank. This is ridiculous! It's feeling like monthly stall-tactics are being used by the bank. Please note that social media is a powerful tool to upon other consumers about this bank 's activity. I've resisted use of social media up to this point thinking that proper resolution would occur at a reasonable time. Clearly it has not -- and now it is time to use this powerful too to warn others about XXXX XXXX  ethics. 
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXXXXXX XX/XX/XXXX Open Company response is in progress as of 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (IL)

Complaint:
In 2017 I went into the store to make a purchase. I purchased merchandise that had to be ordered from XXXX a ladies store in XXXX XXXX, Il. when the merchandise arrived I was notified and went to the store and had the items returned by the store clerk. Before the items arrived at the store I was billed. When I had the store return the items I thought I would get a credit. I have been receiving bills with late charges and the account has been turned over to a collection agency. I have had numerous conversations with the store and I have spoken to XXXX the collection agency about the return. I continue to get a bill from XXXX and harassing phone calls several times a day from XXXX. I have no merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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. (NC)

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX  XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CO)

Complaint:
XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
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:
I have reached out to XXXX and Equifax to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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. (NC)

Complaint:
I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has XXXX this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( Equifax, XXXX, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Complaint:
" XXXX XXXX XXXX '' has sent me debt collection letters a couple of times asking me to pay {$49.00} for XXXX debt. I do NOT owe money to XXXX and XXXX confirmed it over the phone. I replied to the Convergent 's debt collection letters explaining that they've got a wrong person, but they just keep sending me the collection letter. The account # in the letter is not mine and transaction and account creation dates are all wrong.

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 2021-11-04
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: CITIBANK, N.A. (TX)

Complaint:
I did not authorize XXXX XXXX XXXX to access my credit file or solicit any finance offer to me in 2021. XXXX XXXX XXXX has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with XXXX XXXX XXXX. I received a phone call from XXXX XXXX XXXX soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize CBNA to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

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 2022-12-24
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. (IL)

Complaint:
its a 30 day last payment reporting on my credit report when I was never late on my payment

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 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (PA)

Complaint:
I am contacting y'all back about XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX for my disputes for XXXX that need to be reopened I had contacted last week and they told me they can't refund the card if they do it might be billed a fee because the payments are old and they say they will send me a check in the mail but I never got them checks in the mail from them I been calling the manager and emailing him or her and he or she is not calling me or email me back and I want y'all to reopen the dispute and credit back both payments for me and I got proof by a XX/XX/XXXXcase from them saying my service was canceled and they refunded me but I did not get my refund in the mail and I been waiting a whole week now and I want both payments to be credit back on the card for me. XXXX XXXX XX/XX/XXXX Mid-South XX/XX/XXXX CASE # XXXX To whom it may concern, Thank you for bringing this situation to our attention. I have talked with the customer and informed her that we are addressing her refund. We will refund her for the charges that were made to her credit card on XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX in the amount of {$110.00}. For a total refund of {$180.00} for the service was that she canceled on XX/XX/XXXX. If there are any further questions or concerns, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX Branch ManagerXX/XX/XXXX XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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. (IL)

Complaint:
Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. 

Now XXXX years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX Bank refused to investigate properly and correct the erroneous information.

Company response to consumer: Closed with explanation