hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Complaint:
I made a purchase on XX/XX/XXXX for {$44.00} at XXXX. Because of credits on my account my closing balance for XX/XX/XXXX was {$23.00}. I never received my statement and forgot to pay the account. I paid {$49.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) and {$2.00} on XX/XX/XXXX ( due date XX/XX/XXXX. Therefore for a balance of {$23.00}, I paid {$27.00} in fees and interest. I have never been late on this account. 
I realize this is a very small issue and amount. However, I believe their charges were totally unreasonable. I realize that my not receiving the statement does not exonerate this company from billing me late fees/interest. To bill me {$27.00} for a balance of {$23.00} that was paid within 52 days of this purchase is outrageous based on my credit history since XXXX with this credit cad issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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. (TN)

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

Accounts to delete 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 XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-07-21
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: Adler Wallach & Associates, Inc. (CA)

Complaint:
I sent a debt validation letter over 30 days ago to company XXXX and have yet to receive a response. They've been reporting negative and defaming information on my credit report as of XX/XX/22 in the amounts of {$2500.00}. This company is reaching out to me to collect a debt I never agreed or contracted to pay.I have sent a debt validation letter to this company and they never responded to my request. Since they have never supplied me with sufficient information in order to validate this debt, I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( b ) Reflects the terms of and liability for the account or other relationship ; ( c ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( e ) Is substantiated by the furnisher 's records at the time it is furnished ; ( f ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( g ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies, I know this debt is a mistake and shows this account was not handled with accuracy or integrity. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I've filed complaints with the XXXX  and the Attorney General in order to expedite this process due to the mishandling of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northern Service Bureau, Escanaba Inc. (MI)

Complaint:
None of the options offered on the last page matched my problem. First of all I never once received a written notice of this debt before it was reported to the credit bureaus. Northern Services bureau agreed to remove my delinquency completely from my credit report if I paid there settlement amount in full by XX/XX/2020. I did pay the full amount of the agreed upon settlement amount of {$620.00} before or on that date. After I paid the full payment they didn't remove the items from my credit report and instead added more individual paid debts from the past to my credit report out of nowhere. They lied or distorted the truth of our agreement. This has been a significant burden to me during a worldwide pandemic. When I contacted them they would not resolve anything without me giving them my new phone number but I refused. We resolved the original agreement over email. There is no reason they can't do this over email as well. They have decided to destroy my credit during the middle of a pandemic instead of just sending a written bill before going to the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: CITIBANK, N.A. (NV)

Complaint:
While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2023-10-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (PA)

Complaint:
Wells Fargo continue to practices of not completing the task of sending important information and documents that are needed to allow business that may as for me may prevent the closing of my house and pay off debt to Wells Fargo account which is going to have a another harmful negative financial effect I'm XXXX and just want to be free of Dept caused by a car accident

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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

PLEASE REMOVE THESE ACCOUNTS AS I HAVE FOUND THAT MY RIGHTS HAVE BEEN VIOLATED. 
Delete these accounts ASAP

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 2022-05-21
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX XXXXXXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX  XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX  Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
The attached student loan have all been consolidated and for some reason, Equifax is the only bureau that did not update my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (CA)

Complaint:
The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX  of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. 

However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX  ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive *in writing* throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. 

I need help from the FTC or CFPB so that my state tax authority ( XXXX  ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.

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 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc (OR)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX I would like to file this complaint against affirm XXXX XXXX finance and clothing what happened during XXXX i lost my job due too i have XXXX i can't work i was in the hospital for longtime i'm unable to make payment to the acct i have with affirm because i have XXXX and i call affirm i told them i won't be able to make payment on my acct due too i have covid but i was owed to affirm about {$7800.00} dollars but the acct almost pay off anyway i still owed only {$2100.00} affirm refused to wait for me to make payment soon i find another job to start making payment again affirm charge-off the loan and reported to all three credit bureau trash my credit score from XXXX XXXX XXXX this is not right well i'm looking for some help from CFPB to make affirm remove my name from all three credit bureau i need to get my credit score back to XXXX affirm violated the law about the pandemic affected all the american people life but i still owed 2 years rent to my landlord but he follow the pandemic he doesn't even talk to me he complied the pandemic law but affirm refused to complied with the pandemic law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NJ)

Complaint:
This creditor acceded my credit report and issued a credit card without my authorization and by not ensuring proper identity checks to prevent fraudulent opening of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Complaint:
I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about 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 2017-01-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (GA)

Complaint:
after requesting a Debt Verification letter I received the letter from the collection agency, stating they were unable to validate.

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 2022-03-25
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. (FL)

Complaint:
This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, Equifax and XXXX. 
US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Inquiry XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

Complaint:
Medical Revenue Service posted multiple collections on my credit report around XXXX of XXXX. I disputed these items with the credit bureaus and some items were not removed. Since I was in the process of building a home ; I felt I had no other option but to pay these false claims. I never received proof that the alleged debts belonged to me. I only received a statement that the debt was paid by Medical Revenue Service. Furthermore, during the time that they alleged that I owed them this debt, they were not licensed to collect debt by the state of Florida. This company was able to enforce such charges only because the Credit bureaus did not validate their claims. I never received proof that the debt was mine.

Company response to consumer: Closed with explanation