hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (GA)

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NC)

Complaint:
Obama Care mishandled my XXXX claim XXXX/XXXX/2016. Now that my claim is paid by XXXX, Frost-Arnette The Collection Company is trying not to pay me back what I personally paid of my own money. They threatened to seize my assets last year for the medical bill. Even though I had insurance, they were very cruel to me. Tonight they called and said, " this is an attempt to collect a debt .... '' I quickly responded that they owe ME. I do not owe them. Can you please help me get a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB (VA)

Complaint:
I bought a car and financed it XX/XX/XXXX. 
- statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. 

They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. 
they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. 

The customer service is terrible. I'm going to change the bank soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc. (IN)

Complaint:
Heritage Acceptance XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX ( XXXX ) XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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. (SC)

Complaint:
In accordance with the Fair Credit Reporting act the flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, 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 non-monetary relief
Consumer complaint received 2020-01-27
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: ALLY FINANCIAL INC. (MO)

Complaint:
I haven't authorized this financial institute personally or a consent. I have requested the lender to investigate and remove hard inquiry from the report. They failed to do that. They have responded that they recieved application from XXXX XXXX. I have clearly stated not to authorize this financial institue to obtain my report. Regardless they have obtained my report and this is seriously causing damage to my credit score and reports. I demand them to remove this hard inquiry which I havent authorized. 
Inquiry was made on XX/XX/2019 from 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 2020-10-18
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: Experian Information Solutions Inc. (NY)

Complaint:
In response to Experian, I XXXX XXXX am a individual, NOT a third party and i am a victim of identity theft.

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 2022-11-15
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: EQUIFAX, INC. (OH)

Complaint:
SEE ATTACHED collection agency has also failed to validate debt or show my ownership for such derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (NY)

Complaint:
XXXX XX/XX/XXXX reported my account 30 days late when in fact my account was paid on time I made a {$34.00} payment on XX/XX/XXXX due date XX/XX/20 then I made another also made a {$25.00} on XX/XX/XXXX. Another payment of {$490.00} on XX/XX/XXXX minimum due is {$27.00} XX/XX/XXXX closed my account and days I was 30 days late when my payment wasnt late I made more than the minimum payment XX/XX/XXXX reported XX/XX/2020 30 days late when my account was closed in XX/XX/2020 and paid off

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 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (AZ)

Complaint:
I saw a loan open in my credit redit report, with Experian. I disputed it w Experian and sent an email to XXXX XXXX  on their website, never heard anything back from the bank and Experian told me it was accurate, never did I receive a loan, one reason I have terrible credit, second reason I am in Arizona n why would I get a bank loan from XXXX, third I've been trying to get approved for even XXXXdollars and still denied. Fourth why do I not have a document concerning that loan, fifth how does Experian know it's accurate was it in my name, my address my account, I've been shown nothing and last why am I pushing this dispute this far? Obviously there is a problem. I never got a copy of the email because it was on their website, I tried looking in my email and the address comes up but says no documents. Strange the address comes up but not the email.

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 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Complaint:
On XX/XX/XXXX, I chatted with Barclay Uber credit card representative, I requested Uber credit card to apply my Uber cash {$28.00} to be applied as statement credit. Uber card rep XXXX refused and informed me that as of XX/XX/XXXX, Uber cash rewards can no longer be applied as statement credit. I had this credit card for since XXXX, I've always redeemed my rewards as statement credit. Yet XXXX insisted such change was stated in XX/XX/XXXX statement disclosure that after XX/XX/XXXX, Uber cash can no longer be redeemed as statement credit. I reviewed carefully the XX/XX/XXXX statement the rep mentioned, there was no wording or phrases mentioning about disallowing Uber cash to be applied as statement credit. I feel Barclay Uber cash credit card is deceiving me by ripped off my statement credit without proper notification.

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 2017-06-25
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: EQUIFAX, INC. (ND)

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, Equifax and XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Complaint:
My name is XXXX XXXX, I received a copy of my credit report and there was a collection listed with Aargon Agency for a rental property that was a few years ago. I had gone to court with the rental company and there was an agreement made. I originally disputed the information with the bureaus assuming the bureaus had it wrong but they said they verified the amount. I then sent a letter directly to this collection company asking for detailed information and I have not received anything back and it's been a month. How are the bureaus able to report something and I can't even get information for it?

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 2022-10-06
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. (OH)

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX  {$830.00} 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 non-monetary relief
Consumer complaint received 2020-10-26
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Complaint:
I cant verify exactly what they have on file so they refuse to assist 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 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

Complaint:
1.I have never had an account with this company PROGRESSIVE MANAGEMENT SYSTEMS XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROGRESSIVE MANAGEMENT SYSTEMS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
MY NAME IS XXXX XXXX XXXX IT IS REPORTING AS XXXX XXXX ON TRANS UNION ONE OF MY PREVIOUS ADDRESS WAS XXXXXXXX XXXX   XXXXXXXX XXXX XXXX, NC XXXX IT IS REPORTING AS XXXXXXXX XXXX XXXX., XXXX XXXX, NC XXXX ON TRANS UNION MY CURRENT CELL PHONE NUMBER IS XXXX I DO NOT RECOGNIZE THESE TELEPHONE NUMBERS REPORTED BY TRANS UNION XXXX XXXX XXXX XXXX XXXX THE FOLLOWING PAST TELEPHONE NUMBERS ARE CORRECT AND THEY ARE AS FOLLOWS : XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - CURRENT EMPLOYER TELEPHONE NUMBER XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX MY MOTHER 'S PHONE NUMBER REPORTED BY TRANS UNION THANK YOU

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2021-05-26
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. (TX)

Complaint:
Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (CA)

Complaint:
I have received multiple phone calls from this agency within 2 hour time-frame after confirming my information. I told the agent XXXX to stop calling me then I received another call 1 minute later stating she was going to tell her client I decided not to resolve my account without any conversation about the balance owed. She then transferred me to her manager XXXX agent XXXX and XXXX tried to say XXXX had a right to call back. I explained they were breaking laws of FDCPA. XXXX stated she would place Cease and Desist w/out me stating to do so. I asked XXXX to transfer me to her legal department where my call when then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TN)

Complaint:
Apply employment with XXXX. Hiring manager called me over the information they got in my background check. While discussing report she accused me of a crime I had NOT committed. So an additional report was made. In the end I was denied employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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. (GA)

Complaint:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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. (MD)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (MI)

Complaint:
On XXXX/XXXX/19, XXXX/XXXX/19 and XXXX/XXXX/19 I have submitted multiple disputes with the creditor and the credit bureaus regarding an inaccurate debt reporting on my credit file.

Company response to consumer: Closed with explanation