hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-16
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:
Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, XXXX and TransUnion credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, XXXX and TransUnion are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.

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 2020-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

Complaint:
AMERICAN ACCOUNTS ADVISORS has not sent me validation of information they reported to XXXX. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
Good Day, On XX/XX/XXXX I used my Chase Rewards points to purchase three 1-Day, XXXX Weekday Tickets with All-Day Dining includes Food and Drinks. The date for the experience was indicated as XX/XX/XXXX. The total cost for these tickets was {$240.00} from which I used XXXX points equating {$160.00}. I used my Chase credit card to pay the difference of {$72.00}. The itinerary number for this transaction is XXXX. 

Since this transaction, I have been unable to view, print, redeem the voucher associated with the actual ticket. I noticed that on my Chase Ultimate Rewards profile under " My Trips '' the reservation appears under a tab for " Past and Cancellations '' instead of " Upcoming '' and the date for this reservation is XX/XX/XXXX which is astronomically incorrect. As a result, I contacted Chase Rewards Program shortly after the purchase but was told to contact XXXX. On XX/XX/XXXX at approximately XXXX XXXX  EST I contacted XXXX but their agent was unable to assist since I did not have a ticket number and the itinerary number used by Chase was insufficient. On XX/XX/XXXX at approximately XXXX EST, I contacted Chase Rewards via instant messenger and was ultimately told that there was a system glitch with processing the voucher and to call back later. I called Chase Rewards Customer Support at approximately XXXX EST and spoke to a representative who contacted XXXX XXXX who could not confirm a voucher as a ticket number was needed and not just a Chase internal itinerary number. This representative said that I would have repurchase the tickets and attempt to be reimbursed at a later date if possible. I declined this and asked to speak to a supervisor to which I was transferred. The Supervisor then tried to contact XXXX, despite my explaining that such futile attempts were made by myself and the representative prior. The Supervisor was on hold for over thirty minutes before our conversation was cut off.

All three of the Chase Support Staff agreed that their was an apparent glitch in their system as it pertained to the processing of the voucher/ticket for theme park. Today is XX/XX/XXXX and my family and I are traveling to XXXX in three ( 3 ) days expecting to go to XXXX and despite my paying for the theme park tickets over three ( 3 ) weeks ago the tickets have yet to be made available to me. 

I received an email confirming the transaction was executed. The points were deducted from my account and my credit card was in deed charged the difference. Thus, payment was rendered however I never received the actual voucher for the theme park. 

Unless a voucher can be provided within the next three ( 3 ) days I am requesting a full refund of the full ticket price of {$240.00}. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

Complaint:
On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars

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 2021-11-09
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: SYNCHRONY FINANCIAL (GA)

Complaint:
Went to my XXXX credit report app and notice incorrect information 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 explanation
Consumer complaint received 2021-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Complaint:
There a XXXX card that i never apply for under my name it was open on XX/XX/2016 i never had a XXXX credit i been asking XXXX   to remove i even told XXXX it was fraud but equitable wont remove me also there a XXXX inquire on my report and i dont have XXXX they close the account beacause it was fraud but they wont remove it from my account XXXX and 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 2022-11-08
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. (OR)

Complaint:
XXXX XXXX XXXX is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.

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 2022-05-03
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. (PA)

Complaint:
In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, XXXX and Equifax. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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. (NM)

Complaint:
This is in response to XXXX XXXX XXXX XXXX XXXX and the inaccurate reporting of information on my personal credit reports. This information is being reported as a new negative and has re-aged the account. When looking through the report you can clearly see the errors being reported by XXXX. 
Upon asking XXXX  to correct some payment status information on my Experian report they reported that a claim was filed with Government in XX/XX/XXXX and XX/XX/XXXX. This is why the accounts have had the timeline re-aged. The account should fall off from first date of delinquency that lead to the default which would have XX/XX/XXXX has the removal date or age off date. The date claim was filed with government was several years ago and in that fact alone they are reporting inaccurate information. I have filed disputes to update this information with the credit agencies to no avail. I have also been in contact with the Creditor XXXX and have provided the information needed to fix the errors. 
They have responded that the information is accurate. So despite providing all this information they choose to ignore the errors being reported. If these errors can be fixed than they need to remove the account completely from the reporting agencies as this is hurting my credit report and is causing emotional distress. 

They have failed to resolve the issue so I ask that the Consumer Financial Protection Bureau step in and resolve this matter as this has gone on long enough with disregard to FCRA 15 U.S.C. 1681. 

Thank you, 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 2023-06-17
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: EQUIFAX, INC. (AL)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Financial, Inc. (TX)

Complaint:
XXXX XXXX XXXX is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any XXXX XXXX XXXX has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted XXXX asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-21
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
CAP1/XXXX {$950.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$340.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$490.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Complaint:
I reviewed my Chex Systems Consumer Report ID : XXXX and there are numerous credit inquiries listed on my consumer report. All of the credit inquiries are fraudulent and unauthorized except one from XXXX XXXX, the rest of the credit inquiries listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my credit inquiries. There should only be 1 credit inquiry on my consumer report, and thats XXXX XXXX. Furthermore, the negative checking account from XXXX XXXX  and XXXX is a fraudulent account and not my account. I am a victim of identity theft and has a current police report on file with Chex Systems.

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 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Complaint:
There are some credit inquiries that have been on my credit report for a while that is a result of a scammer using my personal information in an attempt to obtain credit on multiple occasions on XX/XX/XXXX XXXX, and XX/XX/XXXX. I have contacted all Credit Bureaus and Filed an Identity theft affidavit when I first noticed the identity theft. I have called Transunion multiple times speaking to different representatives receiving different answers on how to have them removed. The FCRA states if an item is a result of identity theft the CRA 's must remove them. The following inquiries are XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

Complaint:
Hope and pray that this complaint will find you and your family in the best of health and happiness. 
I am XXXX XXXX XXXX American citizen and never ever had a problem like this in my whole life. I had excellent history of my credit score.

yesterday I got bank account alert about my credit Secore has been decreased from XXXX to XXXX XXXX on XXXX. 
They have sent debit dispute to all three credit agencies, with out my knowledge. 
This was on my bank credit journey report. 
" I.C. SYSTEM, INC It looks like your account with I.C. SYSTEM, INC received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. " I called I C System XXXX and was connected with XXXX XXXX / XXXX XXXX and I asked her about why the have added my XXXX  disputed amount of {$XXXX} on XXXX XXXX. to 3 credit score agencies. 
They are first collector who have not contacted me. Before them 3 or 4 all have contacted me and I have given them reply. After that no one has contacted me and I thought that this case has been closed. 
I have not received any letter or phone call from them. She said that she will mail me letter and she also said that I have an offer to settle this for {XXXX 
According to your website They have to call me which they did not. They have even my email as well in there system and they have not contacted me. 

What I need your help to please ask them to remove this from all 3 credit score agencies. As to my understanding They have not followed instruction and rules laid down by consumer finance department. CFPB. 
Your help in this connection will be highly appreciated.

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 2023-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Complaint:
In XX/XX/2022 I was give a 30 day notice to evacuate the premises by XX/XX/2022. If I didnt vacate the premises I would be evicted. I signed my new lease in a new city on XX/XX/2022 and all my possessions were out on XXXX XXXX. The key was returned on XX/XX/2022. They attempted to get money from me via email then I had to give them the full run down about the 30 day notice and provided pictures of the apartment. After providing the information the assistant manager responded thank you for the information and never received an email after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Inaccurate information is on my credit report with Transunion. They are reporting inaccurate, derogatory marks on my account. The company that opened the account is XXXX XXXX and it was opened on XXXX XXXX 

The company has been repeatedly reporting inaccurate information 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