hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Complaint:
UnFair Debt Collection Practices : XX/XX/2020 @ XXXX PST in received an email stating : " XXXX <XXXX> XXXX XXXX  ( 16 minutes ago ) to Legal, bcc : me Hi, We would like to inform you that we have given you a reasonable opportunity to resolve this account but you have failed to resolve it. 

We know that our action will damage your credit rating and your ability to do business with other companies. To avoid this, we really urge you to email us to find the best collection process or make immediate payment. 

Thank You XXXX  XXXX XXXX XXXX <XXXX> XXXX XXXX ( 5 minutes ago ) to XXXX who in the XXXX are you i want your sheriffs dept. creditials making this a ginuine police officer talking to me otherwise your email, XXXX, is illegal debt collection practices and you will be reported to the FTC under the right department handling affair FCRA and/or CFPB for your attempts under false credentials. '' The E-mail address alone suggesting law enforcement involvement is against the FAIR DEBT COLLECTION PRACTICES ACT and needs to be addressed immediately due to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Unauthorized Credit Inquires

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 2021-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Genesis FS Card Services, Inc. (KY)

Complaint:
I made a payment for {$510.00} on XX/XX/XXXX. Since then I have spoke to the company in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX to report that the payment was received and accepted by the company but not applied to my balance. I submitted documents that supported this claim. My credit card is frozen, and my account is reported to my credit report as delinquent despite this not being the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NY)

Complaint:
I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.

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 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

Complaint:
On XX/XX/XXXX. I sent in a dispute into Equifax at the address of record ; XXXX. XXXX XXXX, XXXX, GA XXXX. The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Equifax has 30 days respond to the dispute beginning on the day the letter is received. It is now XX/XX/XXXX and I have yet to receive a response from Equifax regarding the results of my dispute. I contacted Equifax at XXXX PST and originally spoke with XXXX XXXX , when I stated the nature of my call and demanded that the incorrect information be removed from my report based on the law as mandated by the FCRA XXXX the agent hung up on me at approximately XXXX PST. I immediately called back and spoke with another agent XXXX, ID # : XXXX. XXXX says that they did not receive my letter until XX/XX/XXXX. Which is factually inaccurate as I have proof that the letter was indeed delivered and signed for on XX/XX/XXXX at XXXX. She also specified that XXXX XXXX XXXX responded to them on XX/XX/XXXX - which is still more than 30 days after receipt of my letter. After getting nowhere with XXXX, I requested to speak to a supervisor. The supervisor XXXX ID # : XXXX regurgitated the same inaccurate information. When I recited a portion of the FCRA, he stated that Equifax has its own internal policies. In response, I asked if Equifax was violating the law. He replied that Equifax is following the law and refused to remove the disputed information. 

The letter that was sent was itemized. There were eight accounts in this dispute and they should be updated accordingly. 
XXXX XXXX XXXX XXXX - removed US Department of Education ( 4 accounts ) - removed XXXX XXXX XXXX - removed XXXX XXXX XXXX XXXX - late payments removed XXXX XXXX XXXX. - removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
Commenity Bank has not reported my account to the credit bureaus for 3 months. I am told it is reported every 30 days but it clearly is not. 

Twice, I sent an online message to Commenity asking why they have not reported my account standing to the credit bureaus. The first time they told me they report every 30 days, even though I said they havent reported for 3 months. The 2nd time, I was told that their systems are down and I need to wait 45 days. I have already waited 3 months. Now I have to wait 4.5 months. 

I am trying to obtain credit and this account if affecting my credit score. Today, a supervisor hung up on me when I asked to speak to someone above her. These people are disgusting and rude. 

I need my credit report updated ASAP and z Commenity is making it impossible for me. They are not following through on their responsibilities. They are treating me like I have no rights in this matter and they are telling lies about reporting it to the credit bureaus. I have filed a dispute with all 3 credit bureaus and they are clearly not getting answers from Commenity either. 

I also want an apology from the company because the supposed Supervisor hung up on me. I am sure they can find out who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

Complaint:
I was admitted to XXXX XXXX in XX/XX/2017. Documentation as to whether or not I received intravenous contrast dye was poor. Middle record records indicate I received the contrast dye after the procedure was completed. The radiology company administering the test identified an error in their medical record system that they have not corrected. Thus they can not prove objectively that contrast was administered except to look at the radiology films which they have not provided me in a readable format. Despite the radiology company having my correct address and telephone number, I never received any bills at my residence for this service. They then sent the bill to the respondent for debt collection. Despite having the correct address and telephone number for my residence from the radiology company and having access to my credit report, the debt collector made no verifiable attempt to give me a call by telephone or send me a letter. They claim that they sent me a letter via regular mail but they can not prove its being sent or being received. Despite having my correct address and telephone number and access to my credit file, The debt collector continue to call an unrelated individual with the same last name. After not receiving a satisfactory response or payment, they placed the adverse account to my credit report. This caused me to lose a high security job offer worth {$180000.00} in salary annually. 

If the bill is in the road, I would like to pay it. However I expect to be compensated for my damages as a result of the deck collector not providing me with the opportunity to dispute the debt in a timely fashion or providing me with any notice that a debt actually was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I paid off my car lease with XXXX XXXX XXXX and closed my account. Eqiufax credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with Equifax and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from XXXX XXXX confirming my closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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. (VA)

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 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (CA)

Complaint:
Hi I got a letter from collections for a service at XXXX  XXXX  then I contact my insurance about uncovered medical expenses. 
After so many days I got letter from collection s that says I owe {$190.00} for the services I received on XX/XX/2019. I have communicated with my provider and insurance and thought the issue will be taken care after multiple follow ups with them. 
But the issue was not resolved from insurance and provider then I have paid that medical debt from my pocket but still the collections opened an account that effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! GS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (SC)

Complaint:
The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-12-20
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Complaint:
I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

Complaint:
I have a collection from I C SYTEM THAT SAYS THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND DO NOT OWE THIS COMPANY. THIS LOOKS LIKE FRAUD {$370.00}

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 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I would like to note that XXXX XXXX has been harassing me within the last month. They have been excessively reporting derogatory information to the credit bureaus. 

Most companies have a reporting schedule in which they report monthly, but XXXX has reported 4 times to the credit bureaus between XX/XX/2022 and XX/XX/2022. This is less than a month 's period. I have attached proof. 

Attached is the record of times that XXXX has reported negative information to my credit bureau. This violates Fair Credit Reporting Act and this is a bullying tactic, in addition to the other tactics they use, to extort money out of citizens. 

XXXX has reported to my credit on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Please see the attached. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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. (TX)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (IN)

Complaint:
This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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. (TX)

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
I just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.

Company response to consumer: Closed with explanation