hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Complaint:
Never received notification of this " collection '' until it was placed on my credit. I dont know what this is and have never owed anyone anything. A dunning or validation notice was never sent and i have never had any dealings with CONSERVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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. (CA)

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT. I'M REPORTING THIS TO THE ATTORNEY GENERAL AND MY ATTORNEY AS THIS IS MY 4TH REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Complaint:
For the last six months I have been disputing with the three credit bureaus and no resultion.

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 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Conn's, Inc. (TX)

Complaint:
There are XXXX accounts on my credit report that are not mine. The creditor claims to have sold them and can not provide documentation, but still refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Complaint:
i have tried to open accounts in the past and theres some type of fraudulent activity on 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 2022-08-03
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-10-01
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: General Motors Financial Company, Inc. (CA)

Complaint:
I completed the lease term on my XXXX  XXXX  this XXXX. 
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX  XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. 

Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. 
This is disheartening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

Complaint:
I received a credit card in the mail today, XX/XX/2020, which I believe is fraudulent. It is a Visa card from U.S. Bank ReliaCard ( Introductory letter attached ). 
Neither my wife or I ordered this card, but we recently refinanced our home and believe someone may have accessed our information fraudulently. 

I attempted to contact US Bank at the telephone number and website they gave. The website located at : https : //www.usbankreliacard.com/web/usbankreliacard/login did not provide me any information about canceling a fraudulent card. Using the telephone number given on the card and introductory letter ( XXXX ), I was unable to address my concern. First, I was asked to provide information through AI about the account. When asked to provide my last 4-digits of my Social Security number, the account indicated that I need to be transferred to a customer service assistant. I provided information for both my wife and I without success. After being transferred, I waited on-hold for 20-minutes and was eventually kicked off the line. While waiting, I received several automated voices telling me they were extremely busy and thanked me for waiting. Eventually, a final automated voice told me that I could not take the survey because it was not available and then hung-up on me. I was not intending to take a survey, nor did I ask to be placed in the survey taking cue. 

I do not know how else to resolve this issue and would like to have a response from the company. It is very difficult to resolve my complaint when I can not contact a real-life customer service assistant.

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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 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 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

Complaint:
A car dealer ship owed me a check for {$710.00} as part of buying a car. The check from them to me was issued on XX/XX/XXXX. I never received the check, yet it was cashed on XX/XX/XXXX. I saw the cancelled check and it was stamped in the endorsement area for a locked bag with a Wells Fargo account number. My name and address were on the check so it was made to me but someone else deposited the check. 
I contacted Wells Fargo and they confirmed it was not my name on the account which the check was deposited and that there are no accounts with my SSN at Wells Fargo. So there is no way this check should have been deposited into someone else 's account. 

Wells Fargo said I needed to call my car dealer and that they would have to have their bank refund the money into the car dealer 's account. 

I called the dealer and they had their bank, XXXXXX/XX/XXXX, initiate this process. Wells Fargo said they would return the money but it would take 60-90 days. 

So the dealer will not give me the money they contractually owe me till Well Fargo give the money bank to XX/XX/XXXX. 

To hold this money hostage for 60-90 days after they made a mistake in depositing this check into someone else 's account is ridiculous. I do not know whose account it is to figure out how they got the check and this has all made me frustrated. 

It has lead me to complain to the XX/XX/XXXX for the car dealer for breach of contract and to their corporate office. I also want to make sure Wells Fargo is held accountable in all this and they put the appropriate controls in place to prevent this, and adjust their policies to refunding the money faster than 60-90s when they do make this mistake.

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 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
My complaint is with TD Credit Card. My husband XXXX XXXX closed his credit cart out on XX/XX/XXXX over the phone. We asked for the balance we paid {$1300.00} by check over the phone. Well it hasn't stopped since they keep telling us there is a payment of XXXX dollars due. This has been going on for over 2 years. We have not had the credit card since XX/XX/XXXX however even after we closed the account new charges have been appearing. It is harassment at this point ... Every time they say the credit card is closed out a new bill with a different amount shows up. If we closed out the account in XXXX and paid out the full amount in XX/XX/XXXXit should be done. They are ruining my husbands credit. I have a reference # of XXXX for XX/XX/XXXX of XXXX which we paid on that day for XXXX XXXX XXXX even though we had closed the account in XX/XX/XXXX. The call was taken by XXXX XXXX. She said the credit card was closed but it was not!!!!! 
XX/XX/XXXX I got a letter saying it was closed. XXXX XXXX XXXX should not have been charged! 
XX/XX/XXXX they say I owe XXXX we pay it. They say it is now closed. 
XX/XX/XXXX they say it is closed and we get a conformation letter XX/XX/XXXX they say I owe XXXX XX/XX/XXXX they say now I owe XXXX dollars A complaint was filed to you and you handled it and it was done. Now more than a year later ... 
XX/XX/XXXX I get another one saying I owe XXXX dollars!!!!!!! I want the harassment to stop!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
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. (WI)

Complaint:
My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (VA)

Complaint:
XXXX   XXXX ,    2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID #  XXXX   XXXX , call back number stated  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Genesis FS Card Services, Inc. (TN)

Complaint:
Spoke to customer service regarding credit card received that I did not apply for nor do I have any interest for credit card. There was approximately {$140.00} that was charged but it did not specify what the charge was. The gentleman I spoke with credited my so called credit card. About 2 weeks later I received a letter from Genesisfs card services requesting me to file an identity theft complaint and to provide Genesis a copy of the letter within 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Complaint:
I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 ; 30 DAYS LATE PAYMENT ; XXXX XXXX-30/60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2021-02-09
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. (NC)

Complaint:
The account has already been investigated and the inaccurate account removed. I am requesting that Transition follow suit.

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 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AXOS FINANCIAL, INC. (CA)

Complaint:
I paid off my deceased husband 's loan to Axos Finacial and they finally sent a refund check for the gap insurance but make it out to my deceased husband. He is now off the bank accounts so I can't cash it. Here is the email I sent them a month ago which they have not responded to : Four days ago, I emailed you about this problem, and I have not yet heard back. 

This is a difficult time for me as I am still mourning my husband of XXXX XXXX who I lost last XXXX. I am XXXX XXXX XXXX and navigating all this paperwork is hard for me, particularly when you do not respond in a timely fashion. 

On XX/XX/XXXX, I finally received your refund check for the gap insurance, but it is made out in my husbands name, not mine. He died unexpectedly and did not have a will. When he passed I removed his name from our bank accounts as I understood thats what I was supposed to do ; therefore, I need the check made payable to me. 

Also, I began this process of paying off the loan on XX/XX/XXXX. In the past, I have paid off car loans and bank loans many times and the process has always been that when I call they give me a payoff number that is good for 10 days. After many phone calls and emails on XX/XX/XXXX ( 33 days after I first contacted you ), you provided a payoff amount that you demanded be wired. The amount included a charge for the 33 days of interest that I would not have had to pay if you had responded in a timely manner. I calculate that to be approximately {$500.00}. 

Its upsetting for me to go through this process of selling my husbands truck as it was his pride and joy and he added a lot of custom features, even having a custom canopy built for it. But finances force me to sell it and you are making the process much more trying. Within ten days of the date of this email, I ask you to please respond to me, reissue the check in my name, and refund the interest due me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX XXXX XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from XXXX and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as XXXX XXXX. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.

Company response to consumer: Closed with explanation