hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Complaint:
On XX/XX/2017 I provided XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) the required written notice, within the required time, to formally notify them that I was exercising my right to terminate the Apartment Lease Contract between me and XXXX XXXX XXXX as was outlined under paragraph 31 of the lease contract ( Responsibilities of Owner ) for their failure to perform timely maintenance. Rent was paid in full and no amounts were due through my last day of tenancy ( XX/XX/2017 ). They clearly failed to perform on more than one occasion for the same issue never being addressed until after my notification of termination. Despite multiple attempts to inform their corporate billing offices of the situation, the information was ignored and never resolved in the manner it should have been if they had a legitimate dispute. Incorrect billing of amounts not owed was passed on to XXXX XXXX XXXX for collections resulting in an false unpaid amount of {$2300.00} being reported as derogatory on my credit report. Extensive documentation is being included with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valarity, LLC (VA)

Complaint:
I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file. 

This collection agency can not be contacted and there are many consumer reviews on the web of abuses from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (OR)

Complaint:
While I was sick with XXXX, ACA choose to take my vehicle and leave me without a way to get around. i WAS quoted a price to get my vehicle back. I worked as hard as I cold to get the money and I finally came up with enough to get my car back. I sent them the money as requested and was under the impression that the amount i paid included ALL FEES. I them made an arrangement to pick up my vehicle and I was told, per the finance company, that I had to pay XXXX dollars in fees to get my vehicle back. Ii feel that after all the hoops that ACA made me jump through and all the anxiety and given what is going on, that they would be able to waive the fees and help. I wane through enough and I feel like they are taking advantage of a global pandemic. They knew I had XXXX twice and had a very hard time. I paid what i needed to, why are they making more hoops to go through. This should not be allowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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. (PA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.

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 2021-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Complaint:
Since XX/XX/XXXX I've been charged interest three times. 
My loans are subsidized and unsubsidized Federal Ed. 
I was allergic to this by my credit report that my loan amounts had changed. 
I'mconcerned that if I'm being charged so are other people without their knowledge. 


XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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 (NY)

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

Complaint:
On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees.

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 2020-06-23
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: Westcreek Financial (NY)

Complaint:
This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in XXXX  which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: In progress
Consumer complaint received 2022-05-05
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. (FL)

Complaint:
There is a incorrect hard inquiry on my credit report I am trying to have removed. The incorrect hard inquiry occurred on XX/XX/2021 and was reported in error to the credit bureaus by XXXX XXXX. I know you can not file a dispute online regarding a hard inquiry. In XXXX of 2021, I communicated in writing with XXXX XXXX regarding the incorrect hard inquiry and they agreed it was incorrect and I was told ( by phone ) they would report to the credit bureau ( Experian ) that it was incorrect but that they had no power to require Experian to remove the hard inquiry. It has been over 6 months now, and the false hard inquiry still remains on my credit report. I have tried to contact Experian by phone and email. The phone number does not allow you to talk to a human being and I have been unable to locate an email for Experian. If they refuse to remove the hard inquiry I would like to have a letter of instruction placed in my credit report to explain that this inquiry is in error. I will be applying for a mortgage in the near future and this hard inquiry is effecting 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 2021-07-28
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. (PA)

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 2017-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
Mailed.on  XX/XX/XXXX  of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit "  XXXX  '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a   XXXX   score and  XXXX  on other   XXXX   reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : # XXXX, Account name : XXXX  NATIONAL CREDIT, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

Complaint:
After reviewing my XXXX, and XXXX  credit report 's I noticed a collection account being reported by a company called convergent outsourcing inc . I have no recollection of ever having an account with the company in question. After searching all of my files and records I was not able to find any records or documents connecting me with the company. 
On XX/XX/XXXX I reached out to the company per certified mail requesting documentation that would show proof that I did indeed owed the allege debt. The company responded by mail on XX/XX/XXXX by mail with XXXX different bills one for {$440.00} dated XX/XX/XXXX and one for {$180.00} dated XX/XX/XXXX and the other only ten days apart for {$340.00} dated XX/XX/XXXX. The company has several late and extra fees listed on the documents that were sent. I am reaching out for help to have this negative inaccurate account removed from my credit profile.

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 2022-04-29
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. (FL)

Complaint:
I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX  XXXX  XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in 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 2021-03-07
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: EQUIFAX, INC. (TN)

Complaint:
I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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. (CT)

Complaint:
TransUnion is reporting Fraudulent information about me. I have sent several documents and created several disputes to resolve this matter. In a phone conversation yesterday A TransUnion representative informed me they never received a complaint that was Made by Me through CFPB. This is my second attempt at this complaint. I want all the listed information Blocked, and or deleted from my TransUnion Consumer report. 

Please see attachments

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 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Transunion has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.

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 2022-05-03
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  Account # XXXX XXXX  Accounts Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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. (PA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

Complaint:
My bank, sent an approved loan check of {$3600.00} on XX/XX/22 to fulfil the remaining balance owed to XXXX XXXX to close my account permanently. XXXX XXXX 's affiliated financial banking institution have claimed to me that they have not received the check. Both financial institution associated with XXXX XXXX, XXXX and Synchrony Bank have said they have no record of the check. However my bank has confirmed the check was received and deposited. 
I have since followed up with copies of the check and letters from my bank sent via mail and faxes confirming all information and still have not gotten my account balance resolved/closed.

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