hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

Complaint:
XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.

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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 3 dispute letters but there has been no change! I have attached all documents. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
Noticed an inquiry on credit report that did not belong to me. Filed a dispute on XX/XX/20 with bureau as inquiry from fraud. Bureau responded on XX/XX/20 stating inquiry was a factual record of access and to contact creditor. Contacted creditor and they stated they did not have an application on file for me and that the bureau usually sends over the dispute to them so that they can open investigation to verify accuracy but they never received such information. Creditor advised to contact bureau again and dispute again as they have no idea where the inquiry came from and could not open investigation on their end without evidence to open.

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 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (VA)

Complaint:
In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. 

Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. 
I figured later that I was trapped. 

I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. 

I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. 
I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. 
My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Transunion : current status is listed as Charged Off as bad debt 1 late payment reported forXX/XX/XXXX XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XX/XX/XXXX & XX/XX/XXXX XXXX : current status is listed as Transferred to another lender 6 late payments reported for May, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

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 2022-08-15
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: Experian Information Solutions Inc. (GA)

Complaint:
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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : State of MI office of C. for over {$5000.00} and {$8000.00} US Bankruptcy CT GA XXXXXXXXXXXX which was discharged

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 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2019-05-01
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'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : 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 explanation
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (KY)

Complaint:
made pursuant to 15 USC 1692g ( b ). I hereby request that your company provide me with evidence of this debt. I demand this company provide me everything that I ask in the Validation of debt Letter. I also would like this company to cease all forms of communication with me through any and all mediums.

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 2022-07-13
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 submitted a letter to the 3 credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 

XXXX XXXX XXXX Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by 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 non-monetary relief
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Credit Service Inc. (OR)

Complaint:
On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.

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 2021-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
I have been using my BofA EDD Debit Card for over year and half now. I've never had an issue with it. Prior to travel out of the country I had notified their department of it promptly. All of a sudden I find out that my account without prior notice whatsoever, has been blocked and locked. I am not able to access my funds, nor login into it, nor make any transactions while out of the country during the pandemic.

This is despite the U.S. District Court prohibiting Bank of America from freezing EDD debit card accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called and spoke on XX/XX/2021 with BofA reps/supervisors for two hours. 
They're telling me the ONLY way to get this resolved is for me to PERSONALLY SHOW UP in a branch and present IDs. That is now not possible while I am out of the country till unknown foreseeable future with the pandemic. In the past, any issues I had to do with verification with BofA I would perform them on the phone with pin codes, security questions, etc. I have offered to submit my form of ID 's via email or online where I can upload them securely. They would not hear none of it. I am locked out completely from my only source of income while I am outside of the country during the pandemic!

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 2022-06-09
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: Experian Information Solutions Inc. (NC)

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 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 2022-04-29
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. (VA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX XXXX  XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (MO)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-03-21
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. (IL)

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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. (IL)

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc (CA)

Complaint:
Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX  balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (CA)

Complaint:
I reached out to Early warning services in attempt to fix the issue directly with them regarding a XXXX account I never had making me unable to get a checking account or open an account with a credit union. I ask that they send me a validation letter with my WET SIGNATURE or any proof they use to validate that this account belong to me. Instead they send a letter saying they it does with no proof. Early warning has not sent me any proof on how they validated this debt and is making it hard for me to open an account with a real bank because of this FALSE negative account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (CA)

Complaint:
This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.

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