hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-03-09
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. (TX)

Complaint:
I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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. (AL)

Complaint:
In accordance to fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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 explanation
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (AZ)

Complaint:
On Wednesday, XXXX XXXX 2018 I decided to look at the APR on a longtime Discover card that I 've had. So I opened the statement online and then spent the next 20 minutes or so hunting for the APR to no avail. I 'm not computer illiterate by any means and was getting frustrated as the APR on the other couple of cards I have is plainly shown on the first page of the statement. So I called Discover Customer Service and was told by the CSR, that she would gladly transfer me to someone in the tech department so they could '' guide me through the screens '' to find this information. She, however, was able to tell me the APR within the first minute of the call. When I told her that was outrageous that as a consumer, I 'm not able to find this information readily and why? She then said she would pass my concern to management. After I got off the phone I sent Discover an email asking why APR 's are not readily accessible to me on MY statement and have yet to get any sort of response. But they sent me a survey immediately after the call asking for my opinion to which I responded negatively in every category. It never has been like this with Discover in all the years I 've had a card with them. I have literally never had an issue with them ever until now. What gives? Finding my APR should not be a secret ... it is n't with other major credit card companies. Why is Discover being so secretive? 
I hope you can help me as I 'm ready to close the card and be done with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Complaint:
Genesis credit management {$1300.00} My apartment complex I use to live at sold their debt to this company and they dont have a license to collect in the state of Texas which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. {$6800.00} CHAPTERXXXX   BANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUPTCYXXXX  {$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 explanation
Consumer complaint received 2020-01-10
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. (LA)

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have reached out to XXXX, TransUnion and XXXX via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of Education-XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my 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 2022-02-04
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: CITIBANK, N.A. (FL)

Complaint:
On XX/XX/XXXX a debit transaction in the amount of {$510.00} on behalf of vendor XXXX XXXX occurred. The vendor was notified on XX/XX/XXXX to cancel this transaction, and agreed. 
CitiCard has NOT returned the {$510.00}.

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 explanation
Consumer complaint received 2018-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-04-17
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. (MI)

Complaint:
XXXX XXXX XXXX OPENED XX/XX/XXXX {$840.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX  OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1200.00}

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 explanation
Consumer complaint received 2019-08-06
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. (LA)

Complaint:
On XX/XX/19 I requested that Equifax investigate the XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/2019. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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. (AZ)

Complaint:
Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

Complaint:
I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX ( now sold to a collection agency I C SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.

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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account 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 2022-03-11
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. (MO)

Complaint:
On XX/XX/2022 XXXX sent a letter to my lender that there is no account. I mailed that letter to Experian in an effort to have my credit file updated accurately. 
Experian did not remove the creditor from my credit file. 
Please remove creditor from my credit file.

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 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background (TX)

Complaint:
I have never been to the state of Florida we're it shows various cases for drugs and narcotics this is preventing me from getting a job can you clear this up please. I am not on probation or parole this is clearly identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (GA)

Complaint:
Yesterday i received an XXXX alert about an AAFES credit card account was opened in my name. They verified the account information and noticed it was not accurate information. I contacted the company and they closed out my account because I didnt apply for this card. I was then told to contact XXXX to file a fraud dispute. 

I contacted XXXX who documented my report of fraudulent activity. Locked my account and advised me to file a police report or FTC report for fraud.

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 2020-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (MO)

Complaint:
Hello to whom this may concern, I want to file the following complaint : I started receiving calls from an unknown number that said it was spam in XXXX, my phone auto-rejects spam calls, however this number persisted to call me. I finally answer the call when I notice it's the same exact number that has called various times, upon answering the phone the person tells me they are from " Nationwide Recovery Systems '', I informed them, that I didn't want any calls from them, and that I was sending them a cease and desist letter asking for proof of this debt. I informed the rep that I only wanted correspondence via mail. They continued to try to talk to me, and disregarded my request, so I hung up. I received calls XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX of 2020. I didn't receive a collection letter from this company until XX/XX/XXXX. 
I verbally told them XX/XX/XXXX that I would mail the letter mentioned above. I sent the letter XXXX certified, on XX/XX/XXXX I I reminded them a letter was headed there way when they had called and not to call me. they continued to call me the XXXX, XXXX, XXXX, and XXXX anyway ignoring my request. So I told the rep on the XXXX that I previously had said not to call and had sent a letter. He started arguing with me telling me they had never called. I told him I was going to record the call, because at this point they were harassing me, and violating my rights with this aggressive illegal practice. I had to hang up on him, because he was so rude. I asked if the calls were recorded, and he never answered me. The certified letter was received on the XXXX. I am including screenshots of my call log from this agency and the receipt for the certified letter, I sent to request that they communicate via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Complaint:
My loan was transferred from XXXX to XXXX in XX/XX/2019. XXXX immediately reported to the agencies my loan as closed/transferred XX/XX/2019. 

Currently XXXX is reporting to XXXX, but has not reported to Transunion. I have called XXXX 6-7 times, they tell me that credit reporting issues must be sent via email. I have sent 4 emails to XXXX, they have not responded once. CUstomer service is terrible. 

I have called Transunion multiple times to ensure the issue isnt on their end, they confirmed nothing is coming in from XXXX. 

My credit score is now negatively impacted and causing issues.

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 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

Complaint:
Most credit card issuers do not generate monthly statements ( mail out and paperless ) XXXX ) the account has {$0.00} balance, 2 ) if there are no transactions ( purchase or payment ) on an account in the billing period. This is ok. 

However Citibank started a policy ( XXXX XXXX? ) of not generating a statement ( mail out and paperless ) if there are no purchases on a credit card during the billing period. 
If there are only payment transactions - no statement. 

I recently paid off a credit card ( initial balance of ~ {$6000.00} ) in two payments during a billing period in which there were no purchases. For this billing period and subsequent periods Citi will not issue a statement showing the payment transactions and subsequent {$0.00} balance. 
The payments to pay off the account are also not included in a payment history which is quite troublesome as the account balance is shown to be starting at XXXX $ XXXX and ending at {$0.00}. 

In many regards I think this is not providing the consumer XXXX customer ) with documentation that may be required in future disputes to prove the account was paid off. I use electronic bill pay so I haverecords of my payments to Citi but they refuse to provide a statement with only payment transactions on the account. I use electronic statements so this is not about wasting paper. This policy was adopted by Citi in XXXX XXXX - XXXX XXXX time frame.

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 2021-05-03
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. (NC)

Complaint:
I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Applied Business Services, Inc. (NC)

Complaint:
This correspondence is in reference to complaint # XXXX. Security Collection Agency has defaulted by not rebutting my affidavit with an affidavit however I am giving them an opportunity to cure by granting my demands from my initial complaint which is to XXXX the balance on this account, immediately delete it from all consumer reports and pay the invoice for violating my consumer rights under 15 USC 1692. ( previous complaint attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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. (IN)

Complaint:
XXXX XXXX XXXX opened XX/XX/XXXX XXXX open balance XXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX open balance XXXX XXXX  reported XX/XX/XXXX XXXX reported balance XXXX XXXX reported XXXX XXXX XXXX XXXX  reported balance XXXX  reported XX/XX/XXXX XXXX XXXX  reported balance 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