hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc. (WA)

Complaint:
I had to call national credit services in XXXX, wa so i could talk to them about the student loan. i told them i think that it might not be mine because i went to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, not XX/XX/XXXX. i asked to be able to look at the documents so i could see because i remembered seeing the discrepancy years ago. they wouldn't tell me anything about it. they just said that since it was consolotated that they didn ; t have any information on the original. documents. it wan ; t until after they made the payment that they told me that the bill was incurred in XX/XX/XXXX. but they wouldn't tell me anything else and wouldn't email me the information. 
i just want to seee the documents and i want to cal the consolodation company and find out what they have. and i want to make sur e that it was me, so i'm not paying for someone else 's education. 
if it's mine, i'll be fine with it, but i want to make sure. and i was denied that right. 
i feel that i was treated like a subhuman and preyed upon. 
i want justice, i should be able to see the information on the bills that i am paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2018-07-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Complaint:
I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC

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 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Complaint:
Capio is a bottom feeder collection agency that buys debt that was already proven not to be yours & they buy it with hope of bullying you into paying a debt that you do not owe. I was contacted by Capio XXXX XXXX about a hospital bill that I did not owe. The previous company that had this debt XXXX soloution was sent information from both my XXXX XXXX company Primary & Secondary that proves I have no outstanding bills or outstanding co payments. The then sold it to another company because they couldnt collect on it. I wrote a letter to then stating that I dont owe any outstanding hospital bill & they reply that they have close that account & return to client. 

Being the desperate company that Capio is they wrote me another letter XXXX XXXX Stating that I owe another bill for a different amount {$200.00} I then contact both Insurance company again & They contact the hospital that are stating the bill generated from & was proven I owe no hospital bill from the date they are stating. I wrote a reply certified letter after our investigation on XX/XX/2022 I ask the company if I owe them please provide me with the original bill & a breakdown of how they came up the the amount that they are claiming I owe them. Anyone can write a letter with an amount on the company letter head saying that someone owe them but the much provide supporting documentation. The company did not reply to my letter for validation of the debt. What they did was put it on my credit with no proof of me owning the hospital bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
TRANSUNION is violating my rights under the FCRA. Pursuant to the FCRA I am to be given a free credit report upon demand. As you can see, TRANSUNION denied me access to my credit report, violating my federally protected rights.

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 2020-07-09
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. (TN)

Complaint:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
DEBT COLLECTORS ARE HARRASSING ME OVER AN ACCOUNT I DONT KNOW HISTORY OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
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. (FL)

Complaint:
In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.

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 2019-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IL)

Complaint:
On XX/XX/2019 I visited XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, IL. I was assisted by the XXXX, General Manager, of that location. I purchased a display piece with required XXXX to provide a purchase price which was {$120.00} before tax and {$130.00} after taxes. I attempted to use my XXXX credit card and was told that the transaction was unable to be processed, which was unacceptably odd seeing how I was approved for {$4300.00} only few days prior. At that point I provided my XXXX and completed the transaction. Once I received my statement from the XXXX XXXX the following month the charge for {$130.00} was on the statement. I phoned and spoke with XXXX at the XXXX which I purchased the display from and I was told that I would receive and check for the {$130.00} in 3-4 business days. After two weeks of waiting I phoned and I was told to call Comenity Bank twice, and I was told to send in receipts and letter explaining the issue. I sent letter and receipts to no avail. At this point I'm thoroughly convinced that The XXXX and Comenity are refusing to refund the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
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. (CA)

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2022-05-23
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SinglePoint GI (TX)

Complaint:
A representative from General Revenue Corporation contacted my employer on XX/XX/2022 at XXXX XXXX  and demanded the front desk provided them with my full contact information and verification that I worked for my employer. When the front desk worker refused to acknowledge any information until the caller provided their name and reason for the call, the debt collector, according to the front desk worker, began to become " hostile '' and " uncomfortably persistent ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached

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 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Complaint:
I have disputed the information you listed on my report : XXXX XXXX XXXX AZ XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX XXXX  Account # XXXX : Unverified Account XXXX Account # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX # XXXX : Unverified Account XXXX XXXX # XXXX : Unverified Account XXXX XXXX  XXXX # XXXX : Unverified Account XXXX XXXX XXXX XXXX # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : I have never paid late these account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

Complaint:
I have always had excellent credit. This last month I noticed a XXXX drop in my credit rating. I found that a credit card was compromised during a two-month period for monthly payments of {$28.00} each. This has since been corrected, but how can I fix the credit report?? I am devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (TX)

Complaint:
On XX/XX/2021, Discover offered me a promotion - " Youll get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/2021 ''. Here are the terms from the email " Offer valid when you purchase a new {$45.00} XXXX XXXX membership. Offer good when you join online or in-club as a new Club member. New member can not have been a member within the last six months. Offer may not be combined with any other XXXX XXXX offer or promotion. By accepting this offer, you authorize annual recurring charges to any card on file for your XXXX XXXX membership fee ( s ) plus any applicable taxes at then-current rate every year until you cancel. Visit XXXX or a club or call XXXX for full terms or to cancel autorenewal. Offer excludes Plus membership, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid membership or XXXX XXXX Gift of Membership. Only memberships bought in the United States are eligible for this promotion. Only one statement credit per new primary member. XXXX and XXXX XXXX associates are not eligible for this offer. Must be 18 or older to purchase a membership, and membership is subject to qualifications. Offer eligible only if activated via the link in this email or site when you use your Discover card to purchase a {$45.00} XXXX XXXX membership now through XX/XX/2021. Offer fulfilled as a statement credit within XXXX billing cycles after the end of the promotion. '' I made the purchase using my Discover card on XX/XX/2021. Every month, I contacted Discover to ask where my credit was and they said it would take 3 billing cycles from XX/XX/2021. So I contacted them again on XX/XX/2021 and they informed me that some people that applied for this promotion did not qualify, but that they could not provide me with any reason or information for why I did not qualify. Then, I showed them my offer email and asked which condition I did not meet and they told me that I may see the credit by XX/XX/2021, but did not explain why they suddenly changed their mind. How does this make any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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: EQUIFAX, INC. (LA)

Complaint:
UNAUTHORIZE INQUIRIES THAT DONT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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. (OH)

Complaint:
XXXX  has collections that I disputed its been a significant amount of time exceeding 30 days that I have disputed these accounts I am asking for these accounts to be removed Confirmation # XXXX was submitted XXXX Confirmation # XXXX XXXX Confirmation # XXXX XXXX According to the fair credit reporting act a Bareau is required too complete there investigation within 30 days if they do not the negative item must get removed I am willing to take legal action if it is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

Complaint:
LexisNexis refuses to show two accidents on my report as NOT AT FAULT, which is preventing me from getting car insurance and risking my financial health. I am currently consulting with a lawyer who will represent me on a contingency to sue them for not correcting this. I filed a dispute with them showing my concrete proof : both XXXX  and XXXX XXXX XXXX  that these accidents are NOT AT FAULT in their systems and I have letters from both stating such. Both police reports for the incidents show I am not at fault. But every time I try to use a car insurance broker, they pull these accidents and they show at fault and they blame LexisNexis for this. I should not have to pay a downpayment and {$500.00} a month for insurance on a paid off car with a perfect driving record because Lexisnexis REFUSES TO SHOW THESE ACCIDENTS AS NOT AT FAULT. I AM PREPARING TO SUE AND THIS IS NOT AN EMPTY THREAT. I HAVE ONE LAWSUIT IN FEDERAL COURT AND TWO IN CIVIL COURTS. I WILL PURSUE YOU. THIS IS UNFAIR AND ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
Bank of America sent me a letter last week stating that they will be closing down all my accounts. 
This is outrageous I have been a customer of the bank for over 5 years and have never been involved in any form of shady transaction I need full explanation as to how this happened

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 2022-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (TX)

Complaint:
In XXXX, Target Credit changed my account from a regular store account to a regular Target MasterCard. I had this Target account for many years and had excellent credit. 

I made payments on this new card by phone just as I had always done with my old Target account. The automated would say my payment had been received. But when I would call to make the next payment the automated would say that I had skipped a payment or was late on a payment. This was very confusing as I always pay my bills and my XXXX score XXXX at that time. 

By the time I finally was able to get to the bottom of this my XXXX plunged to XXXX. They dropped my {$4000.00} credit limit to only {$1000.00} and that caused my score to drop so drastically. Evidently, my bank account number had been transposed in the transition from Target Store Card to Target MasterCard. 

After making a telephone payment with a representative, I asked the Target representative I spoke to on the phone to let me speak to a Supervisor. He said " there is no Supervisor to talk to. '' I even tried other Target telephone numbers to try to talk to someone else. I felt that my excellent payment history with Target should count for something. I do not believe this should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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. (RI)

Complaint:
To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX  XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.

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