hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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. (WI)

Complaint:
Experian is constantly removing points from my score... I have an on going investigation with Experian that I've filled on XX/XX/23 that they still haven't responded to.. Experian lowered my score by XXXX points on today 's date XX/XX/23 because one of my credit cards ( XXXX XXXX ) balance increased by {$95.00}. This account was at a zero balance and the {$95.00} was for an annual fee. I spoke with XXXX XXXX and informed them off what Experian did and they couldn't understand why they lowered my score by XXXX points because of an increase. I've never been late or have I been reported late by XXXX XXXX. I feel as though this is an ongoing thing that Experian is doing. Would like to know what else can be done about Experian that keep reporting negative things on my credit report. From my understanding Experian have been sued for ruing people credit by reporting false information and lowering their scores. I feel as though I'm being retaliated against because of my complaints.

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 2019-05-17
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: Experian Information Solutions Inc. (GA)

Complaint:
This has been a identity theft issue

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 2023-02-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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. (WV)

Complaint:
Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. Equifax, XXXX, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

Complaint:
I traded XXXX my car, loan # XXXX, in XX/XX/2014 for my XXXX lease, account # XXXX, the XXXX was in dealer possession therefore the reporting of a late payment for XX/XX/2014 is erroneous - this is causing my credit to drop and caused me to lose the ability to rent a home for myself and my XXXX kids. I requested this to be updated and it never did. This " contract '' is approaching 6 years and 6 months so I would request it just be removed from my credit so the past due one month doesn't continue to harm my financial position so I can provide  a roof over the heads of my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
TO BOTH XXXX AND TRANSUNION I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH XXXX AND TRANSUNION SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both XXXX AND TRANSUNION XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - TRANSUNION DISCHARGED XXXX BANKRUPTCY - XXXX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you.

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING XXXX & TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (CA)

Complaint:
This is regarding a checking account I opened with XXXX XXXX in the beginning of XX/XX/2019. I opened the account online without any issue and paid the minimum deposit ( {$25.00} ) immediately. Over a month went by and I hadn't received my debit card in the mail so I contacted them only to fin out the account had been closed. While this struck me as strange, I didn't protest as their customer service and general apathy up to this point left me feeling content to sever the relationship. However, 2 unresolved issues arose from this : A ) They confirmed my account was closed on XX/XX/2019 yet did not return my balance I had from the minimum deposit I made and they still haven't nor have they expressed an intent to even though as I understand it they are legally obligated to do so. And B ) I happened to have requested my XXXX report at the time all this was happening and it seems TCF reported my account to XXXX as " closed for cause '' which is a serious thing to add to someones XXXX report, when I asked TCF about this they claimed they don't know anything about it nor how to fix it nor why this report was made. Keep in mind, I had NO ACTIVITY on this account other than opening it and giving them the deposit which they have thus far absconded with on TOP of damaging my XXXX report which consequently cause my checking account at another financial institution to be closed which incurred significant damages to my professional, personal, and financial well being. Again, ZERO transactions, no interaction with the account in any way yet they file this obviously fraudulent report at my expense, and withhold my remaining balance for no reason. I contacted customer service 8 times now via phone and email and they either pretend not to understand me and just yell over me, or claim there is nothing they can do. Please help. I very much appreciate your attention to this matter and am happy to provide further documentation of these events upon request. 

Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

Complaint:
I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
To Whom It May Concern : I have sent two letters to Equifax requesting the incorrect information be removed from my credit report. The address were removed that don't belong to me but they removed the incorrect name. I am remarried and my name is not affiliated to XXXX. 

My drivers license and social all have XXXX XXXX. I received no notification from Equifax to confirm and my letter clearly stated to remove XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

Complaint:
I am writing to complain about a credit offer that became a problem and resulted in a substantial additional charge on my Home Depot Credit Card. The credit card number was XXXX XXXX XXXX XXXX. I have cancelled the card.

The credit offered zero interest on a larger purchase from Home Depot. The interest accrued but was not to be paid, as long as the account remained in good standing for the zero-interest rate offer period. To ensure that I could avail myself of this zero interest credit offer on the purchase, I set the card up to automatically pay a specified amount monthly. This approach worked well until the zero-interest credit period ended. 

However, I lost my card during this period and had to order a replacement. The replacement request was a problem because the information source I used to ensure that I was fulfilling my obligations on the card was not updated by Home Depot. This is because the site that I went for checking on the credit card balance never updated for the new card, and as a consequence, never showed the status of this credit offer. 

Consequently, I continued to pay the monthly specified amount automatically. However, once the credit offer term ended, Home Depot applied the full accrued interest balance to my credit card balance, and I was never made award of this adjustment because my electronic access to the credit status card was not updated. 

I realized a few months into this change that my account balance had been adjusted upward for the interest. If I had been informed by the electronic XXXX XXXX digital account site, I would have paid off the credit at that time. 

I believe the automatic payment option is a problem given that XXXX XXXX did not update my electronic access the status of my account. While the person I spoke to indicated that I had been sent notification via XXXX notices, I did not receive them. This may have been because of a couple of addresses changes that had occurred in the interim. However, I did have XXXX forward my mail, so I do not understand why I never received them. 

In any event, I believe that the approach being used by Home Depot is unfair to consumers as it offers automatic payments but does not update electronic notification to reflect balances on the replaced credit card like occurs with my other credit cards. It appears to take advantage of the false sense of security offered by automatic payments, to lull the customer into believing that they are sufficiently informed of the status of the account. 

I would like Home Depot to rectify this problem by returning the interest that I had to pay to pay off this account. Please confirm receipt of this letter.

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 2015-05-01
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (PA)

Complaint:
In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX 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 an open end consumer credit plan as late and for and purpose.

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 2022-08-05
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and 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 2019-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

Complaint:
I opened a Checking and Savings account on XX/XX/19 for {$400.00} bonus + {$100.00} bonus for 2 direct deposit. I opened on the phone with the consumer representative. After the account was successful open, I deposit the funds required immediately on the phone with the rep. CitiBank purposely delayed my funding and claims, I did not meet the requirement. I didn't wait at all and gave the representative all the information and funds required for CitiBank to process the funding. I left the funds in there for the required amount of days but CitiBank refuse to pay out the bonus while I am earning almost 0 % APR if I were to leave the required money at other banks. I chatted with Citibank and was hoping to get the issues resolved but they did not honor their part of the promotion. Here is the terms and conditions of the promotion. 

Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of  opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days

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 monetary relief
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

Complaint:
I have review many times with the three credit bureaus my address and try to fix this many times and this gets to be very exhausting. I have also filed a police report as well. Yea half ago my mail just stop coming to my addres were I live so u have to pay for a XXXX XXXX XXXX. The post master never figure it out and never got back to me. I have called many times each of all the credit cards and loan companys every time I move what my new adtesss is. I also do a fowarding address. I am not a big fan of getting paper statements. I will get them electronically sent to me cause of this issue. I know for a fact when I left one address for the first three years I did not have mail going there I only had one just automatically show up there. After threee years. So I made the phone call to XXXX XXXX fixed it. Now I have 9 places that are reports my address. How does that eve. Happen. What is the casue of that. XXXX XXXX XXXX I use the app I know they dont have my old address. XXXX XXXX I know they dont have my old address I have my current one right here in front of me. Also it makes me worry that I have student loans going to an old address there are nine credit cards going to to an old address I am wondering if someone has open stuff in my name. I have claimed identity theft so many times to these banks they do not listen to me. They have cancelled my cards all in in one month. These cards all get closed for no reason on me then I see charges on my card that I dont recognize. XXXX XXXX XXXX is the worse they have three different address for me. This needs to be rectified. Were is Experian getting this information from. My credit report looks really bad it has caused emotional distress. I had to leave work casue of it. I need this fixed. Every time I dispute with Experian they just pretend they look at say it was fixed. They dont even do leg work. They come back and say its accurate. The only way they will go above for u is if u pay XXXX dollars a month

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