hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (SC)

Complaint:
This is my 2nd 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, SC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$850.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

Complaint:
On XX/XX/2020 this bill for XXXX dollars did not go through when it was on auto-bill.I reached out to the company and they said that they saw the the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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: SYNCHRONY FINANCIAL (PA)

Complaint:
I was notified on XX/XX/2018 from XXXX XXXX and my XXXX XXXX account through XXXX XXXX regarding a hard inquiry reported on my XXXX  credit report without my knowledge. I knew this was identity theft as I recently found out about another hard inquiry a few days prior with an account being opened without my consent/knowledge through another company. I am currently dealing with that case and have registered with the FTC as a victim of identity theft as well as submitted an FTC fraud report. In addition, I had also notified the 3 credit reporting agencies of my initial unauthorized hard inquiry from another company and on XX/XX/2018 placed a fraud alert for 90 days on my credit reports. I contacted XXXX  credit reporting agency immediately on XX/XX/2018 who advised me to contact Synchrony Bank with whom the credit inquiry was made to dispute the matter regarding removal. I spoke with the supervisor from customer service at Synchrony Bank who could not assist me further as they state they would need more details about the account otherwise there is no way they could trace the transaction that took place as they are lenders for revolving store credit accounts of numerous companies. I explained to them the only information reported on the credit report was SYNC-National Credit Cards/Airlines ( see section of report ). It was also told to me that most likely it is showing up like this because the initial application for a line of credit was denied therefore Synchrony Bank does not receive record of these transactions and thus they can not be tracked. I was again advised to contact my credit reporting agency to dispute the matter. Unfortunately, the credit reporting agency states it must be dealt with company and they would need a letter from them directing them to remove the unauthorized/fraudulent hard inquiries 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
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Trans Union is reporting the XXXX XXXX XXXX over payment as part of bankruptcy when it was 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 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I have called bank for atleast 7 days trying to figure out why I have a charge back on my account I have spent hours on the phone drove to 2 different branches all I get is put on hold transfered or hung up on they keep telling me to call back tomorrow can someone please help me get some answers thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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. (NY)

Complaint:
Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : 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

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 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CO)

Complaint:
I purchased rings at Zales and spent over XXXX, which was fine. When I applied for the credit the card machine/screen was down so you could not read the agreement. I let the customer service rep know, to which she gave me two options. A fixed amount of interest for the entirety of the loan or 18 months free interest. After the 18 months the interest would start on the remaining balance. The balance after 18 months was XXXX I made large payments every month on time every month. I had the account on auto pay and made double the minimum amount. I can provide statements of these payments, I am very conscious about my credit and take it seriously. 

On the 19th month I received a statement stating my balance was now over XXXX. I called Zales right away and notified them there was a billing error. At this time they let me know the " agreement I signed '' stated 18 months is true but only if the entirety of the XXXX was paid in 18 months. If NOT the interest would be added as if the promotion never existed. I was unable to read this or a get a copy of such agreement since the machine was down and the customer service representative lied about this. Had I known this was the agreement I wouldn't have signed because its nearly impossible for someone to pay nearly XXXX in such a short period. 

They charged me over XXXX in interest. I have called Comenity Bank several times throughout the year trying to get the issue fixed I have also wrote several letters. I am more than willing to pay the remaining balance of what is rightfully owed to them, which was XXXX before the billing issue and I am willing to pay interest on the remaining balance because that is what I agreed too. 

I contacted the XXXX a month ago and the company has now reimbursed me XXXX which I am grateful for but is still incorrect. My new balance is now XXXX which is incorrect. I am asking the company to do the right thing which should have been done from the beginning. I would like to pay the remaining balance of what was owed before the issue. I would also appreciate it if they contacted the credit agencies and remove the negative marks I am now facing due their poor customer service and incorrect information they are reporting. I have never been late on ANY payments ( ie : mortgage, cars, credit cards all of them are on autopay. ) I have recently made a payment to Zales even though the amount is still incorrect as good faith showing I am trying to do the right thing. I have also reinstated the auto pay I would just really appreciate it if they did the right thing. I feel as though they are practicing unfair and misleading credit practices in order to get sales and commission. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Complaint:
XXXX XXXX,

has violated my rights. 15 USC 1681 Section 604 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 an 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 for any 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 explanation
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (NY)

Complaint:
Someone stole my personal information to open several credit card. I found out with Experian immediately. All the credit card closed without payment request but one with My XXXX XXXX Credit Card with XXXX XXXX. I called several times with XXXX XXXX  but XXXX XXXX  said there is no credit card opened with my SSN. I was so confused so I had to contact with Experian several times with dispute department but never succeeded. Now, because no one paid this credit card, XXXX XXXX credit card with XXXX XXXX  kept sending statement asking for past due. I can't give this because it was never me and I reported both bank and Experian immediately and several follow-up.

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 2021-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (LA)

Complaint:
I switched mobile service from XXXX to another carrier on XX/XX/2021. After switching service I called XXXX to finalize billing and ensure that my service with them was terminated. The CSR told me to disregard my current bill since I did not have service the entire month, that i would receive a pro-rated bill, which I did in XXXX. The amount was for {$120.00}. On XX/XX/2021 I went into my local branch and made the payment. I also took a range extender which I was given by XXXX because I had no service in my house and had safety concerns because of my wife and kids not having any service ( Of course this did not help ). The CSR at XXXX branch did not show as this on my account, and stated that XXXX did not use these anymore, and she couldn't take it back in the store. She did state that if XXXX wanted it back they would send a return box for me to ship it back. I haven't heard from XXXX since. XXXX, I received an alert from XXXX that I had a collection on my credit report. It was from a collection company called Receivables Performance Management , LLC  out of XXXX Wa. for a debt of {$310.00} with XXXX XXXX I do not have ANY late bills with ANYONE! I have never received anything from this company no email, mail, or phone call. With no notice, this company, Receivables Performance Management , LLC, is in violation of the FCRA and CFPB, and have taken my rights to dispute or resolve this matter. They have also put in jeopardy my first home purchase at XXXX years old. I have worked too hard to clean all of my credit up over the last XXXX or XXXX years, to let anyone steal this from me by violating my rights as a consumer. I look for the CFPB  to step in before I escalate this matter legally. This needs to be removed from my credit report ASAP and these predatory collection practices need to stop. Many companies believe that they have the right to jeopardize consumers livelihood, and tear down the work of others.

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 2022-09-14
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: TD BANK US HOLDING COMPANY (NY)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : NORDSTM/TD XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (FL)

Complaint:
All these inquiries were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-07-27
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: EQUIFAX, INC. (FL)

Complaint:
I have been disputing some unauthorized inquiries on my Equifax credit report. I have asked for Method of verification. The creditors have not verified any contracts or documents showing my signature. They always come back stating verified or accurate. Its never no proof showing anything. Please help me delete the inquiries that are not connected to any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC (CA)

Complaint:
Please find attached two phone calls ( XX/XX/2019 and XX/XX/2019 ) that I have received from Global Management Trust LLC using pre-recorded automated messages on the voicemail of my cellular telephone, a violation of TCPA 1991. The repetitive calls and failure to give a mini Miranda are also a  violation of The Fair Debt Collections Practices Act. The TCPA entitles me to {$1500.00} per phone call individually speaking and {$1000.00} under FDCPA in statutory damages alone plus my attorney fees, and actual damages if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (FL)

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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. (FL)

Complaint:
I CONTACTED THE BANKRUPTCY COURT AND THEY SENT A LETTER STATING THEY DO NOT REPORT TO ANY CREDIT BAURES AND ITS STILL REPORTING ON MY CREDIT PROFILE.

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 2023-07-06
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. (NY)

Complaint:
Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

Complaint:
I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.

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